Definition
Protection Score
The Protection Score is a rating from 0 to 100 showing how complete your insurance picture is. It compares the branches that would be expected for your profile against the ones you actually hold, and deducts points for gaps found inside the policies you already own.
Also known as: Coverage score
Each category is weighted by how much it matters: Health 25 points, Life and income 25, Property and motor 20, Income protection 15, Liability 10, and other cover 5. The first three count as essential: if they are missing entirely, the score falls much further than it would for an optional cover.
The score is computed from your own documents, not from a questionnaire. The detection of gaps inside your policies, which drives the deductions, runs on the PolicyWallet Plus plan.
What it does not mean: the score shows the breadth of the cover you hold, not whether its limits are enough for your needs. A high score does not mean you are adequately insured, nor that a claim will be paid; a low score does not mean a claim will be refused. It does not rate premiums, insurers, or the quality of your terms.
In PolicyWallet the Protection Score appears on your home screen together with the per-category breakdown and its methodology. It is an informational indicator based on the documents you upload — not personalised insurance advice. For a recommendation tailored to your needs, speak to a licensed insurance intermediary.
Upload your policy — free summaryFrequently asked questions
How is the Protection Score calculated?
It compares the branches expected for your profile against the ones you hold, weighted: Health 25, Life and income 25, Property and motor 20, Income protection 15, Liability 10, other 5. Points are then deducted for gaps found inside your own policies.
Does a high score mean I am adequately insured?
No. The score shows how complete your coverage picture is, not whether the sums and limits are enough for your situation. Two people with the same score can have very different real protection.
Is the Protection Score insurance advice?
No. It is an informational indicator derived from the documents you upload. PolicyWallet sells no insurance and takes no commission. For a personalised recommendation, speak to a licensed insurance intermediary.
Related
Educational content, not insurance advice. PolicyWallet explains what the term means and helps you find it in your own document — it does not assert what your policy covers.