Comparing the calculated damage price with your excess
Comparing the calculated damage price with your excess
Many customers first want to know whether the repair cost is below or above their excess. The calculator helps by showing a concrete amount quickly. That makes it easier to decide whether private payment, insurer contact or a claim discussion is logical.
Amount first
Without a calculation, claim versus self-pay remains vague.
Compare with policy
Excess and conditions differ per insurer.
No financial advice
The calculator gives the repair amount, not the insurance decision.
The calculator provides the comparison amount
- Calculate the damage completely and honestly.
- Compare the amount with your excess.
- Check whether no-claims discount or premium may be affected.
- Discuss uncertain cases with your insurer.
1Why this matters for the calculator
This topic matters because the calculator turns visible damage into a concrete repair price. The result becomes stronger when the selected parts, repair route and photos match the actual situation.
Pres uses the online calculation as a practical intake. That means the customer receives a useful amount quickly, while the specialist can still verify anything that is uncertain.
2How to enter it correctly
Select every part that is visibly affected and avoid choosing a damage level that is too low. Add photos that show both the whole area and the important detail.
When the input is complete and correct, the calculation is on average about 90% aligned with the final repair price in Pres practical experience.
Use an overview photo first.
Select each damaged part separately.
Use photo review if there is any doubt.
3What the specialist still checks
The specialist checks whether the online input matches the photos. If the photos suggest hidden damage, wrong selection or missing parts, the result can be explained or corrected before repair is planned.
This keeps the calculator useful without pretending that invisible damage can always be known online.
| Point | Effect on calculation | Best action |
|---|---|---|
| Complete visible input | Keeps the calculated price close to final repair. | Select all affected parts. |
| Unclear or hidden damage | Can change the final quotation. | Upload photos or plan inspection. |
| Wrong category | Creates a price that is too low or too high. | Choose the realistic repair route. |
The calculator is strongest when visible damage is entered completely and accurately. The largest differences arise when damage is not selected, classified too lightly or only becomes visible after dismantling.
Calculate your vehicle damage now
Enter the vehicle details, select the visible damage and receive a concrete calculated price with an overview per damaged part. Add photos for specialist review.