Ireland version
How it works
Compare an actual car-insurance quote and a clearly scoped own-damage deductible scenario.
This is the Ireland planning view, with monetary inputs and outputs in EUR. A currency label does not establish that a tax rate, construction price, coverage rule or legal limit has been verified locally. The inputs and limitations below describe the actual scope.
Input query strings and outputs
Use an input name in this page’s URL as ?name=value, and join additional inputs with &. Portable shared links may instead use the compact ?ac= state parameter.
Input query strings
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?annualPremium=Actual quoted annual premiumMoney · Required · Default: 0
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?annualFees=Annual policy/administration feesMoney · Required · Default: 0
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?monthlyFee=Additional installment fee per monthMoney · Required · Default: 0
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?spreadPercent=Quote sensitivity rangePercentage · Required · Default: 15
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?deductible=Entered collision/comprehensive deductibleMoney · Required · Default: 500
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?eligibleDamage=Hypothetical covered own-car damageMoney · Required · Default: 3,000
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?benefitLimit=Applicable own-damage benefit limitMoney · Required · Default: 20,000
Outputs
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annualPremiumEntered annual premiumCurrency · Primary output · Currency: EUR
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annualCostAnnual premium and payment feesCurrency · Currency: EUR
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monthlyEquivalentMonthly equivalent costCurrency · Currency: EUR
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lowLow quote scenarioCurrency · Currency: EUR
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highHigh quote scenarioCurrency · Currency: EUR
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damageBenefitModeled own-damage paymentCurrency · Currency: EUR
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claimOutOfPocketDamage retained by policyholderCurrency · Currency: EUR
Formula
own-damage payment = minimum(policy limit, maximum(0, eligible damage − deductible)).
Calculations retain numeric precision internally. Displayed values are rounded for readability. Quantities that must be purchased as whole units are rounded up only where the formula explicitly requires it.
Read the inputs before calculating
- Actual quoted annual premium: Enter the quantity described by the label.
- Annual policy/administration fees: Enter the quantity described by the label.
- Additional installment fee per month: Enter the quantity described by the label.
- Quote sensitivity range: Enter the quantity described by the label.
- Entered collision/comprehensive deductible: Enter the quantity described by the label.
- Hypothetical covered own-car damage: Enter the quantity described by the label.
- Applicable own-damage benefit limit: Enter the quantity described by the label.
Reproducible worked example
The following is a fictional arithmetic example, not a local quote, a verified claimant or a market forecast. Its values are included so the formula can be checked. The form does not automatically confirm any verification checkbox.
| Input | Example value |
|---|---|
| Actual quoted annual premium | 0 |
| Annual policy/administration fees | 0 |
| Additional installment fee per month | 0 |
| Quote sensitivity range | 15 |
| Entered collision/comprehensive deductible | 500 |
| Hypothetical covered own-car damage | 3,000 |
| Applicable own-damage benefit limit | 20,000 |
| Output | Calculated result |
|---|---|
| Entered annual premium | EUR 0 |
| Annual premium and payment fees | EUR 0 |
| Monthly equivalent cost | EUR 0 |
| Low quote scenario | EUR 0 |
| High quote scenario | EUR 0 |
| Modeled own-damage payment | EUR 2,500 |
| Damage retained by policyholder | EUR 500 |
Interpreting a changed assumption
Start with one complete scenario and change only one input when diagnosing a difference. Recheck units, the period of every rate, whether an amount is recurring or one-off, and whether a cost is already included elsewhere. A larger calculated benefit is not evidence that an assumption is more likely to occur.
Limitations
- Use actual policy wording, quotes and jurisdiction-specific requirements. This is a planning worksheet, not a coverage recommendation, insurer quote or determination of a payable claim.
- No insurer premium has been entered. The policy is unpriced, not free.
- Low/high figures vary the entered quote; they are not researched market premiums or underwriting predictions.
- This does not price liability coverage or determine the legally required minimum. Injury limits, no-fault/PIP, uninsured motorist rules and territorial use require verified local rules and actual policy wording.
Frequently asked questions
What does this Car Insurance Quote Comparison result represent?
Compare an actual car-insurance quote and a clearly scoped own-damage deductible scenario. It applies the displayed formula to your inputs; it does not infer omitted facts.
Are the starting amounts verified Ireland prices or legal rules?
No. Numeric defaults are illustrative unless an input or dated reference explicitly identifies a researched component. Currency is EUR; local quotes, eligibility and unsupported rules must be entered and verified separately.
What must I check before relying on the result?
Use actual policy wording, quotes and jurisdiction-specific requirements. This is a planning worksheet, not a coverage recommendation, insurer quote or determination of a payable claim.
Can I compare or share different assumptions?
Change one assumption at a time and use the browser-local project or share controls. A shared URL contains the encoded input values; do not include information you do not wish to disclose.
Sources and reference scope
- NAIC consumer insurance resources — retrieved 2026-09-24. US coverage education. Not a quote, underwriting table or a substitute for another country’s regulator.
- NAIC insurance glossary — retrieved 2026-09-24. Terminology only; policy wording and local law govern actual coverage.
These references support only their stated scope. They are not evidence that every local rule or price needed by the master expansion has been loaded.