Cover Me

A dropped phone, a flooded flat, a cancelled trip, a dented car, a coffee-soaked laptop. For each one, pick the cover by comparing the premium, the deductible and the small print, or keep your money. Then the year plays out and you see what you really paid.

5 life events
Insurance basics

How to play

Premium. What you pay for the year, whatever happens.
Deductible. What you still pay yourself on each claim.
Small print. Exclusions can leave your risk uncovered, however cheap the policy.
Three levels. Beginner shows each option's expected yearly cost. Expert adds cheap policies with small-print traps and 30 seconds per event. Each level keeps its own best score.

Quick tips

Think in a whole year. Premium + the chance of the event × what a claim still costs you.
Read the exclusions. A cheap policy that excludes your risk pays nothing.

2 more tips in the Cover Me guide →