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Understandyour insurance.Know what to do.

Upload your renewal, get a clear explanation of what changed, compare the market and find a better deal — with AI.

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  • Instant analysis
    of your policy
  • UK market
    insights
  • Personalised
    guidance

What if I increase my excess to £250?

Based on your policy and current market data, increasing your excess from £100 to £250 could reduce your premium by around £90 – £120 per year.

Current estimate

£1,020

Excess: £100

With £250 excess

£900 – £930

~9–12% lower

This is an estimate based on market data and similar policies. Actual quotes may vary.

See the impact of changes (e.g. excess or mileage)

Compare similar policies

Get clear, practical next steps

Key factors in your increase

  • Market conditionsHigh impactUK motor premiums have risen this year
  • Vehicle risk profileMediumYour model has higher repair costs
  • LocationMediumYour area has seen more claims
  • Policy changesLowYour excess was reduced from £250 to £100

3 suitable alternatives

View more
  • AProvider A£760/year£260 less
    • Similar coverage
    • Breakdown included
    • £250 excess
  • BProvider B£820/year£200 less
    • Similar coverage
    • Legal cover included
    • £250 excess
  • CProvider C£890/year£130 less
    • Similar coverage
    • Higher excess (£350)
    • No legal cover

Illustrative product preview. Premiums and providers shown are examples, not quotes.

A higher premium shouldn’t come without an explanation.

Renewal notices arrive with a new price and very little else. The figure changes; the reasoning doesn’t come with it. So it stays hard to tell whether you’re looking at a market-wide shift, something specific to your policy, or simply the cost of staying put.

  • Why did my premium increase?

  • Is everyone paying more, or just me?

  • Could I get similar cover for less?

Three steps, start to answer.

No long forms and no jargon. You give the platform what you already have on your renewal letter.

  1. 01

    Add your insurance details

    Enter your current and previous premium, or upload your renewal information.

  2. 02

    Understand your premium

    The platform analyses your information alongside available insurance and UK market data.

  3. 03

    Explore your options

    Understand potential premium drivers and compare suitable alternatives.

Your premium, taken apart.

One figure becomes a set of readable reasons — separated by how much confidence sits behind each one.
Premium analysisIllustrative example

Premium change

£720£1,020

Difference

+41.7%+£300 / year

Against market benchmark

Faster than market

Part market-wide, part specific to you.

Your premium context

Select a row for detail

  • Claims costs, repair inflation and vehicle technology have pushed motor pricing upward across UK insurers. A share of your increase is likely to reflect that movement rather than anything specific to your policy.

    Based on available market pricing data.

  • Your vehicle details are the same as last year. Repair and parts costs for this vehicle group have risen, and insurers commonly reflect that in pricing even when nothing about your car has changed.

  • Your address has not changed. Claim frequency in a postcode area still moves year to year, and insurers reprice areas independently — so a stable address can carry a different rate.

  • You reported 3,000 additional miles a year. More time on the road generally means more exposure, though how much weight an insurer gives it varies considerably.

  • No change here, and your no-claims discount still applies. This is one of the factors working in your favour — worth protecting when you compare alternatives.

  • A lower voluntary excess moves more of the risk to the insurer, which typically raises the premium. This is one of the few levers you control directly at renewal.

What we know

Confirmed information you supplied, or details available from reliable data.

Market context

How broader insurance pricing is moving, independently of your policy.

Potential premium drivers

Factors that may be contributing to your price, based on the above.

Premium drivers are explanations based on available information and market data. Individual insurers use their own underwriting and pricing models.

See your premium in context.

Separate market-wide changes from factors that may be specific to you. Some of an increase is the market moving; the rest is worth a closer look.
Premium index vs market
Your premiumUK market trendIllustrative example
100110120130
Previous renewalRenewalThis renewal

Indexed to your previous premium = 100. Shaded area shows the part of your increase not accounted for by the market benchmark. Figures are illustrative and do not represent published market statistics.

Illustrative chart. Your premium held at index 100 through the previous policy year, then rose to 141.7 at renewal. The market benchmark rose gradually to about 118 over the same period.

Cheapest doesn’t always mean best.

Three alternatives, set against what you would actually pay and what you would actually get. Ranking on price alone hides the parts that matter at the point you claim.
Quote comparisonIllustrative comparison

Showing Provider B

Voluntary excess
£150
Compulsory excess
£150
Total excess if you claim
£300
Coverage level
Comprehensive
Key benefits
Courtesy car. Windscreen cover. Personal belongings to £300.
Important exclusions
Business use not included.

What this trade-off means

Option B costs £45 more per year but includes a lower excess and additional cover. If you claim once, you pay £300 less than with Provider A — and you keep a courtesy car.

Comparison tells you what.
We help explain why.

Traditional comparison

  • Compare prices
  • Show available providers
  • Filter policies
  • Redirect to purchase

insurewhy

  • Explain premium changes
  • Compare against your previous premium
  • Benchmark against market trends
  • Highlight potential premium drivers
  • Explain policy differences
  • Compare suitable alternatives

Comparison sites do the last step well. What insurewhy adds is the step before it — the part that explains the number you were sent, so that switching, staying or adjusting your cover is a decision rather than a guess.

Built around transparency.

An explanation is only worth having if you can tell how much weight it carries. Every statement the platform makes is labelled with where it came from.
Confirmed information
Information you provide directly, or details verified through data we can actually see. Stated as fact, because it is one.
Market evidence
Broader insurance pricing and market information, kept separate from your own circumstances so you can tell the two apart.
Potential drivers
Factors that may be influencing your premium, based on the information available. Presented as reasoning, never as certainty.

Underwriting models are proprietary, and insurewhy does not claim to know how any individual insurer prices a policy. Where something is an inference drawn from available information, it is shown as one.

Your premium is a number.
Understand the story behind it.

See what changed, understand potential reasons, and explore your options.

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