People, property and dates
Compare the same risk and duration. Differences in people, property, use or start dates may explain part of the price difference.
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Compare two insurance quotations
Put prices on the same basis and see conditions side by side. Bring the right questions to your next conversation.
Your entries stay on this page. The tool does not send these values to RMACHADO or use browser storage. Enter summaries only, without personal data or policy numbers.
01 · THE SAME BASIS
Which insurance are you comparing?
Use each instalment amount including its taxes and charges. Add only costs outside that amount. This calculation assumes a 12-month insurance year with equal instalments.
Different terms or variable instalments? Obtain totals for the same insurance year first. Savings and investment insurance needs a different analysis: see savings and investment insurance ↗
02 · AMOUNTS AND CONDITIONS
Your comparison
Comparison started from a fictional example. Replace and confirm all entries. This is not an insurer quotation.
Quotation A · entered annual total
Quotation B · entered annual total
The difference is arithmetic using your entries. It does not predict future premiums or establish that both quotations protect the same situations.
Keep the questions for your next conversation
Unresolved fields remain marked. Confirm answers against the quotation documents.
Three checks before deciding
Definitions and limits
A benefit name is not enough. Read its trigger, sums insured, sublimits, exclusions and applicable conditions.
Excess and total cost
Check the excess calculation basis and instalment charges. A lower annual total does not, by itself, establish equivalent protection.
This tool organises information you enter; it does not validate cover, recommend a policy or purchase insurance. Explore the insurance guides ↗