Deductible Calculator
See how changing your deductible affects estimated premiums
Estimated Monthly
€150
Estimated Yearly
€1,800
| Deductible | Monthly | Yearly | Savings vs €500 |
|---|---|---|---|
| €250 | €173 | €2,076 | +€276 |
| €500 | €150 | €1,800 | — |
| €1,000 | €131 | €1,572 | −€228 |
| €1,500 | €117 | €1,404 | −€396 |
| €2,000 | €108 | €1,296 | −€504 |
| €2,500 | €102 | €1,224 | −€576 |
| €5,000 | €87 | €1,044 | −€756 |
These figures are illustrative estimates showing the general relationship between deductibles and premiums. Actual amounts vary by insurer and individual circumstances. Consult a licensed insurance professional.
How This Calculator Works
The tool applies a set of simplified factors to a base monthly premium you enter, showing how the estimated premium changes as the deductible moves across common levels. The factors reflect the general relationship insurers use: a higher deductible means you absorb more of each loss yourself, so the insurer charges less. The table also shows the yearly savings or extra cost compared with a €500 deductible baseline.
What the Result Means
The monthly and yearly figures are illustrative. They show the direction and rough size of the trade-off, not the exact premium any specific insurer would charge. The real relationship varies by insurer, coverage type, and your individual risk factors.
How to Use This
The useful comparison is between the yearly premium savings of a higher deductible and the extra out-of-pocket risk you take on. If the yearly savings would take several years to exceed the extra deductible amount, and you rarely file claims, a higher deductible may make sense — but only if you can pay that deductible at any moment without strain. For the full decision framework, read Deductible vs Premium, and see our Methodology page for how our tools are built.