· Money Moves · Insurance
Insurance Gamble: a free game about what to insure
Insure everything and you're broke on premiums. Insure nothing and one bad day ruins you.
What is Insurance Gamble?
Three years, four risks a year: a cracked phone, a burst pipe, a house fire. Insure each one or carry the risk yourself, then roll the year. Insure what your savings couldn't cover.
Insurance Gamble is a free money game about insurance. Three years, four risks a year, each with a possible loss and a premium.
Insure each one or carry the risk yourself, then roll the year. Premiums cost a little more than the average loss, so insuring everything wastes money.
At a glance
- Category
- Money Moves
- Difficulty
- Medium
- Play time
- 3–5 min
- Price
- Free, in your browser, sign-up optional
How to play
- Choose
- Insure it or take the risk. 60 per sensible call.
- Roll
- Some risks happen. 100 more for ending the year above zero.
- Three levels
- Beginner, Intermediate or Expert, picked before you play: the content and the clock change, and each level keeps its own best score.
- Coins
- Example numbers in plain fictional coins, made up for the game. Not financial advice.
Scoring
60 per sensible call (insure what your cash can't cover), plus 100 for ending the year above zero.
Three years per run.
What it trains
- Insurance
- When it is worth the premium.
- Risk sense
- Big rare losses vs small frequent ones.
Strategy and tips
- Insure the big ones
- A loss bigger than your savings is what insurance is for.
- Keep the small ones
- Small risks are usually cheaper to carry yourself.
- Savings change the line
- The more rainy-day cash you have, the more small risks you can carry.
Why play Insurance Gamble?
Choosing what to insure is a real decision for everyone with a phone, a home or a car. The rule of thumb in this game is simple and useful.
Frequently asked questions
Is Insurance Gamble free?
Yes. It is free and runs in your browser, with no download. Signing up is optional.
Is this financial advice?
No. Every number is an example in fictional coins, made up for the game. It teaches the ideas; for real decisions, look at your own situation and local rules, or ask a qualified adviser.
Are there levels?
Yes: Beginner, Intermediate and Expert. The numbers, the hints and the clock change, and each level keeps its own best score.