Underinsurance calculator
See what you would be paid if your sum insured is lower than the real value of your property.
How it is calculated
Payout ≈ loss × (sum insured ÷ real value) − deductible
Many property policies apply the proportional rule: if you insure for less than the real value, the payout is reduced in the same proportion. Some policies remove it (first-loss or agreed-value cover); check your conditions.
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