What is it?
The Car Insurance Calculator gives a rough idea of a car’s yearly insurance premium in India. It shows the insured value (IDV), the own-damage part after your no-claim bonus, the third-party part, GST and the estimated total.
Who is it for?
Car owners renewing insurance, new car buyers and people comparing quotes.
How to use it
- Enter the Ex-showroom price when new and the Car’s age.
- Choose the Engine size (up to 1,000 cc, 1,000–1,500 cc, above 1,500 cc).
- Choose your No-claim bonus, from none to 50% for 5+ claim-free years.
- Enter the Own-damage rate from your quote (usually 1.5%–3.5% depending on city, car and insurer) and whether you need Personal accident cover for the owner.
IDV
IDV is the maximum the insurer pays if the car is stolen or a total loss. It falls with age (for example 5% under 6 months, 50% at 4–5 years). A higher IDV means a higher premium but a better payout; don’t lower it just to save a little.
Keep your NCB
- The NCB belongs to you, not the car: transfer it when you sell and buy a new car.
- A small claim can lose the NCB worth more than the claim; compare before claiming.
- Renew before expiry; NCB is lost if the policy lapses for more than 90 days.
Useful add-ons
Zero depreciation for newer cars, engine protection in flood-prone cities, and roadside assistance.
This is an estimate to help you plan, not financial or tax advice. Read the scheme or policy documents, and ask a qualified adviser for big decisions.
Errors and how to fix them
- Premium very different from quote: enter the own-damage rate from your quote.
Open the tool: Car Insurance Calculator
Still stuck?
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Questions, or an error not listed here?
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