Your voluntary excess
What you'd contribute to a claim on top of any compulsory excess.
your cover.
Concept demo · not StarlingYour motor insurance quote
Make your cover
work for you.
Your price is ready. Now see how you can shape it.
Your annual total
£580.00
Equivalent to £48.33 a month
Your starting quoteYou're in control
A few choices can make a difference. Change them to see your price update instantly.
How you'd like to pay
Pay upfront to avoid a charge for spreading the cost.
All prices in this demonstration are invented. In a real app, excess changes would be re-rated by the insurer and monthly payments would follow the actual credit agreement.
Extras worth checking
Not just what they cost. See what you get, what comparable cover might cost elsewhere, and whether you've already got it.
Breakdown assistance
Roadside assistance and recovery.
With this policy£35/year
Illustrative standalone cover£120/year
Potential difference£85 less
Check your bank account, manufacturer warranty or existing breakdown membership. You may not need to pay twice.
Motor legal protection
Help recovering uninsured losses after a qualifying incident.
With this policy£25/year
Illustrative standalone cover£38/year
Potential difference£13 less
Check any existing motor, household or membership cover, and confirm that the legal protection is relevant to motoring.
Enhanced replacement car
A replacement car following an eligible claim, subject to policy limits.
With this policy£30/year
Illustrative alternative product£48/year
Potential difference£18 less
Look at your core policy and any vehicle or mobility membership benefits for overlapping cover.
The example standalone prices, savings and use frequencies are not market data. Claims frequency is not a personalised probability of need.
Here's your cover
You can still adjust anything. Nothing has been purchased or sent to an insurer.
Core motor cover
Breakdown assistance
Motor legal protection
Enhanced replacement car
Payment finance charge
Annual amount payable
Your choices
Before you continue
In a real insurance journey, you'd now see the insurer's full terms, excesses, eligibility, demands-and-needs information and any finance agreement before buying.
Demo only. There is no connected insurer, no live quote and no payment.
How far can your price move?
See the lowest-cost and highest-cost combinations possible with the choices in this demonstration. Both include the same core motor policy, but different excesses, extras and payment methods.
THE ANNUAL DIFFERENCE
£282
Between the two ends of your available choices
Lowest cost
£445
Annually, paid upfront
Highest cost
£727
Annual total, paid monthly
Your choicesLowestHighest
Core motor cover✓✓
Breakdown assistance✕✓
Motor legal protection✕✓
Enhanced replacement car✕✓
Voluntary excess£750£0
Pay annually✓✕
Pay monthly✕✓
What's right for you?The lowest price means a higher excess and no optional extras. The highest price includes all extras, a £0 voluntary excess and an illustrative charge for monthly payments. More expensive doesn't necessarily mean better value.
These are fictional comparisons within this tool's available combinations, not the cheapest or most expensive quotes in the market. They do not reflect your personal risk or a live insurer's rating. A £150 compulsory excess still applies in this illustration.
Independent concept, visually inspired by Starling's purple/teal design language. Not designed, endorsed or offered by Starling Bank. No personal data is collected.