Insurance deductible layer comparison
A single-loss comparison under the deductible-then-limit model shown here.
Insurance policy arithmetic ↗Insurance policy arithmetic calculators
25 calculators. Search or choose one below.
Calculators
Insurance aggregate limit tracking
A sequential remaining-limit ledger under the displayed rules.
Insurance policy arithmetic ↗Insurance multiple-policy contribution
One explicitly proportional contribution model, with no deductible or insurer-specific order.
Insurance policy arithmetic ↗Insurance contents category sublimits
Applies category caps, then one deductible, then one global payout limit in exactly that order.
Insurance policy arithmetic ↗Insurance valuables scheduled coverage
An item-schedule model keeping scheduled and other loss disjoint.
Insurance policy arithmetic ↗Insurance post-deductible coinsurance split
User-supplied measurements and assumptions; Insurer pays min(eligible loss × entered insurer share,remaining limit); remainder stays with policyholder.
Insurance policy arithmetic ↗Insurance replacement-versus-cash settlement
User-supplied measurements and assumptions; Compare min(value,limit) less deductible for replacement value and replacement less depreciation.
Insurance policy arithmetic ↗Insurance underinsurance clause arithmetic
User-supplied measurements and assumptions; Average-clause example: loss × min(1,cover/required cover), capped by cover and reduced by entered deductible.
Insurance policy arithmetic ↗Insurance waiting-period claim dates
User-supplied measurements and assumptions; Event day is day zero; first eligible date is event date + waiting period, then count inclusive eligible dates.
Insurance policy arithmetic ↗Insurance daily cost benefit caps
User-supplied measurements and assumptions; Apply the daily cap in supplied day order, stopping at the aggregate cap.
Insurance policy arithmetic ↗Insurance claim excess recovery
User-supplied measurements and assumptions; Allocate the entered percentage of recovery to the paid excess, capped at that excess.
Insurance policy arithmetic ↗Insurance premium installment total
User-supplied measurements and assumptions; Initial payment + regular installment × count + one-off fee; compare annual cash premium.
Insurance policy arithmetic ↗Insurance supplied short-rate refund
User-supplied measurements and assumptions; Use the user-supplied short-rate earned fraction, then deduct cancellation fee from unearned premium.
Insurance policy arithmetic ↗Insurance two-discount renewal comparison
User-supplied measurements and assumptions; Apply each entered no-claims discount to the same base premium.
Insurance policy arithmetic ↗Insurance mileage annualization
User-supplied measurements and assumptions; Linear annualization from elapsed days; no premium or eligibility prediction.
Insurance policy arithmetic ↗Insurance travel delay allowance
User-supplied measurements and assumptions; After waiting period, count complete payment blocks and apply entered cap.
Insurance policy arithmetic ↗Insurance capped straight-line depreciation
User-supplied measurements and assumptions; Straight-line age × entered depreciation rate, capped by entered maximum; no insurer rate lookup.
Insurance policy arithmetic ↗Insurance business interruption arithmetic
User-supplied measurements and assumptions; Lost revenue × entered insured margin, add covered expenses, subtract separate saved expenses and cap.
Insurance policy arithmetic ↗Insurance claim documentation checklist
User-supplied measurements and assumptions; Count missing documents only among those the user has marked required.
Insurance policy arithmetic ↗Insurance two-period date overlap
User-supplied measurements and assumptions; Intersect the two inclusive date intervals; overlap does not imply duplicate entitlement.
Insurance policy arithmetic ↗Insurance settlement receipt balance
User-supplied measurements and assumptions; Net receipts = payments − refunds; compare with settlement.
Insurance policy arithmetic ↗Insurance one-rate premium tax
User-supplied measurements and assumptions; Tax applies only to entered taxable premium; add separate non-taxable fee.
Insurance policy arithmetic ↗Insurance broker fee comparison
User-supplied measurements and assumptions; Sum each quoted premium, fee and other charge; comparison assumes equivalent cover.
Insurance policy arithmetic ↗Insurance premium term normalization
User-supplied measurements and assumptions; Scale each premium linearly to a common term; assumes equal coverage and no term-dependent fees.
Insurance policy arithmetic ↗Insurance weighted retained-loss reserve
User-supplied measurements and assumptions; Probability-weighted scenario losses plus a separate user-selected buffer; not a solvency capital estimate.
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