Am I covered?
A coverage-gap check you run against your own declarations page. It compares your liability limits with the compulsory minimum where the car is insured, turns the rest into questions for your insurer or broker, and never tells you an amount is enough.
Your liability limits, as the declarations page states them
Type the amounts from your own policy schedule. Leave a field blank if you cannot find it — a blank is a finding too.
The questions
Answer the questions above and the findings appear here. Nothing is sent anywhere: the arithmetic runs in this browser and stops when you close the tab.
Nothing you type here leaves your browser.
This is not advice about how much cover to buy, and it recommends no insurer, broker or product. It compares what you typed with the compulsory minimum published where you are, and turns your own answers into questions worth putting to somebody who can read your actual policy.
The minimum is a floor, not an opinion
Every jurisdiction in the list above sets an amount of liability cover a motor policy must carry. It is easy to read that number as advice, and it is not. It is the point below which a policy is not lawful — a threshold arrived at politically, updated rarely, and in several markets unchanged for more than a decade while the cost of a serious injury has not stood still. A policy at the floor is a lawful policy. Whether it is a policy that would absorb what you could be asked to pay is a different question, and this page deliberately does not answer it.
What it does instead is put the two numbers side by side and show you where your own figure sits. That comparison is worth having for one blunt reason: a surprising number of people cannot find their liability limit at all, and the gap between not knowing and knowing is the cheapest one on this page to close. The article on how much cover you actually need goes further into what the floor does and does not represent.
Why so many of the answers are questions
Most of what decides a claim is not an amount. It is whether the policy covers the use the car is actually put to, whether the person driving it is on the schedule, what the deductible is, and whether anything pays for the days you are without a car. Those are facts about your individual contract, and a website cannot read your contract. So the output is written as a list of things to ask, each one phrased precisely enough to be answered in a sentence, with the article that explains why it matters sitting next to it.
The same discipline applies where a market publishes no rule. Uninsured-motorist cover is compulsory in some places, optional in others, and absent in markets where a public body compensates victims of unidentified and uninsured vehicles instead. The tool states which of those three it is only where the dataset carries it, sourced; everywhere else the finding is a question rather than an assertion.
The fleet register asks a different set
A company running vehicles has exposures a driver does not: employees driving their own cars on company business, rented vans, driver records somebody has to be able to produce, and an incident protocol that either exists in the vehicles or exists in a folder nobody opens. Switching the tool to the company register replaces the whole questionnaire rather than adding to it, because those are the questions that decide whether the programme responds. The starting point for the reading behind it is fleet readiness.
What to do with the output
Print it, or copy the questions into an email. The useful version of this exercise ends with somebody who can see your policy answering each line in writing — a broker, your insurer’s own service line, or the regulator’s consumer service if the first two will not. A gap you have written down and asked about is a gap that can be closed before it matters; the ones that cost money are the ones discovered on the day of the claim.
Claim readiness checklist · Claim deadline calculator · Before the accident · Rules where you are
Frequently asked questions
Does this tell me whether I have enough cover?
No, and no honest page can. It compares your liability limits with the compulsory minimum published where the car is insured, and the minimum is a floor written by a legislature rather than a recommendation by anybody — including us. What an adequate limit would be depends on what you could be made to pay and what you own, and neither of those is knowable from a web form. Everything above the floor comparison is a question to put to somebody who can read your actual policy, not a verdict.
Where does my data go?
Nowhere. Every figure you type and every answer you give stays in this browser tab: the arithmetic runs in the page, nothing is posted anywhere, and closing the tab is the whole deletion procedure. The one thing that persists is the jurisdiction you pick, kept in this browser’s own storage so the section’s other tools open on the same place.
My state or country is not in the list. Why?
Because the compulsory minimum for it has not yet been read against the instrument that sets it. The jurisdiction data behind this section ships a row only when every legal fact in it is sourced to a statute, an insurance code or a regulator’s own page, with the date it was read. A market we have not verified is left out rather than guessed at, so the comparison is simply unavailable there — the questions still work, and the output says plainly that no comparison was made.
This guide explains how car insurance claims generally work. It is not legal advice, does not create a lawyer–client relationship, and is not a statement of any insurer's or regulator's position. Rules change and differ by jurisdiction; check the cited instrument and, where money or injury is at stake, consult a licensed professional in your jurisdiction.