Advanced · eu · 3 min
EU/UK motor cover layer mapper
Pick a country, answer a few vehicle questions, and see which motor layers are usually compulsory vs optional—plus lender and business-use watch-outs. Confirm with your national supervisor before you buy.
Direct answer: Methodology: curated educational labels for 12 markets (compulsory liability floor + common optional own-damage names). Assumptions: private motor use unless you mark business. Limitations: not a legal certificate, not minimum-limit amounts, and not a premium quote—schedules and supervisors win.
Step 1 of 3· Country
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Labels differ by country. This tool maps the usual compulsory floor vs optional own-damage—confirm live rules with the national supervisor.
How to use results
- Treat numbers as educational ranges, not bindable quotes.
- Download the Excel decision pack for your exact inputs, outputs, checklist, and matched guides—or use Copy results / Print / save PDF before you close the tab.
- Pair with a guideline for the buying process.
Methodology
Models use transparent formulas (DIME, premium multipliers, weighted checklists). Read the full methodology page.
Frequently asked questions
Does this tool price EU car insurance?+
No. It maps product layers and discussion points only. Premiums and legal minima come from insurers and national rules.
Is comprehensive cover compulsory in the EU?+
Usually no. Compulsory cover is typically third-party liability. Own-damage packages (comprehensive, kasko, tous risques) are optional in most markets—verify locally.