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Combined Ratio Calculator
Insurance combined ratio from claims, expenses and earned premium, showing underwriting profit.
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Combined ratio
Compare Your Options And Get Clear Answers
Insurance combined ratio from claims, expenses and earned premium, showing underwriting profit.
Combined Ratio Estimator
Enter your numbers below for an instant estimate.
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💡 Tip: Combined ratio = loss ratio + expense ratio.
How It Works
Key concepts behind this calculator
1
Enter Values
Fill in each field with your own numbers.
2
Calculate
Results update as you change the inputs.
3
Review
Read the breakdown and the explanation.
4
Adjust
Change values to compare scenarios.
Quick Reference Guide
Combined Quick Guide
Typical values for reference.
| Losses £ | Expenses £ | Premium £ | Combined ratio |
|---|---|---|---|
| 500000 | 310000 | 1000000 | 81.00% |
| 620000 | 310000 | 1000000 | 93.00% |
| 700000 | 310000 | 1000000 | 101.00% |
| 800000 | 310000 | 1000000 | 111.00% |
| Rule of Thumb | Check inputs | Use as a guide | Round sensibly |
Common Questions
Combined Ratio Calculator FAQ
Answers to common questions about this calculator.
Below 100%; many insurers aim for 90-95%.
No, it covers underwriting only.
Combined ratio = loss ratio + expense ratio.
It is an estimate based on the inputs you enter. Check real quotes, labels or official guidance for important decisions.