Add the numbers for your scenario.
01Insurance toolCalculated result
Auto Cover Estimator
Work out sensible liability and deductible levels.
100% FreeRuns instantlyNo watermark
- 1Enter detailsAdd the numbers for your scenario.
- 2CalculateVootkit updates the result instantly.
- 3ReviewCheck totals, notes and breakdowns.
Private by designProcessed on your device where possible.
Works on any deviceDesktop, tablet and mobile browsers.
No installationOpen the page and start working.
Always free coreUse the free plan for everyday tasks.
How to use Auto Cover Estimator
Vootkit updates the result instantly.
02Check totals, notes and breakdowns.
03Copy the answer into your workflow.
04Your files stay private
Your work is processed locally in your browser where possible and is never added to a Vootkit upload library.
Learn more about privacyMost drivers buy the legal minimum liability cover and never think about it again — which is fine until a serious accident, when the amount above the limit comes from whatever they own.
What Auto Cover Estimator does
Helps size liability cover against what you could actually lose in a claim, defaulting to 120,000 in assets and 65,000 income.
Liability limits protect your assets, not your car. Damage above the limit is pursued personally — against savings, property and in some jurisdictions future earnings.
What is at stake
| Assets at risk | Default 120,000 |
|---|---|
| Income | Default 65,000 — future earnings can be pursued |
| Liability cover protects | What you own, not your vehicle |
| Above the limit | Comes from you personally |
| Legal minimums | Often far below a serious injury claim |
| Raising liability | Usually cheap relative to the protection |
| Umbrella policies | Extend limits across policies — often cheaper still |
| Is this advice? | <strong>No</strong> |
Detailed steps
- Total what you could lose — savings, home equity, investments.
- Compare against your current liability limits.
- Get a quote for the next tier up. See the tip.
Worth knowing
Raising liability limits is usually one of the cheapest things on an insurance quote, because severe claims are rare. Going from a minimum limit to several times it often costs a small amount a year — while the exposure it removes is everything you own. Ask for the quote before assuming it is unaffordable; most people never ask.
Frequently Asked Questions
Is the legal minimum enough?
Frequently not. Minimums are set low and a serious injury claim can exceed them substantially, at which point the balance is pursued against you personally. Minimum cover protects you legally, not financially.
What does liability actually cover?
Harm you cause to other people and their property — not your own vehicle, which is separate cover. It is the part that stands between an accident and your savings.
What is an umbrella policy?
Additional liability cover sitting above your existing car and home policies. Because it only pays after those limits are exhausted, it is often surprisingly inexpensive for the amount of protection.
How much should I carry?
A common approach is at least the value of what you could lose. This helps you total that; the specific limits and whether an umbrella suits you is a conversation with a broker.
Is Auto Cover Estimator free?
Yes. The Vootkit free plan includes 5 tool runs a day. Upgrade to Vootkit Pro for unlimited daily use, an ad-free workspace and saved workflows.
Are my files uploaded?
No. Auto Cover Estimator runs entirely in your browser — your file is processed on your own device and never sent to a server. There is nothing for us to store or delete.
Do I need to install anything?
No. Auto Cover Estimator works in any modern browser on desktop, tablet or phone. Open the page and start.
How often can I use it? Is there a daily limit?
On the free plan you get 5 tool runs a day. When you reach the limit you'll see a prompt to upgrade, and it resets the next day. Vootkit Pro removes the cap entirely for unlimited daily use.
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This tool processes everything locally in your browser. You can disconnect from the internet after the page loads and it will still work.