Car insurance calculators for India
Check your IDV, estimate the premium, see what your No Claim Bonus is worth, and find out why a claim paid less than the bill. Every calculator shows its working, with rates you can check yourself.
Each calculator answers one question. Most need three or four details from your policy schedule or RC.
A comprehensive car policy has two very different parts. The third-party premium is set by government notification and is the same at every insurer for the same engine size. The own-damage premium is priced by each insurer. It starts from your car's IDV and changes with your city, your No Claim Bonus, the deductible you choose and the discount the insurer decides to offer.
So two insurers can quote very different totals for the same car and both be correct. Our calculators separate the fixed part from the part you can shop around for, which makes quotes much easier to compare.
Start here · Claims
Claims punish you for doing things in the wrong order. Here is the right order, from the accident to the payout, and what to do if the insurer pays too little.
Read the guideWrong NCB, a quietly cut IDV, add-ons you never asked for. Fifteen minutes with this checklist once a year catches all of them.
Some add-ons save you lakhs, some duplicate cover you already have. Here is who actually needs each one, and a sensible pack for new and older cars.
For small damage, claiming often costs more than it pays once you count the NCB you lose. Here is how to decide in five minutes, with a real example.
Zero dep can add thousands to a claim payout on a newer car. It also has claim limits, age limits and exclusions most people find out about too late.
Most claim shortfalls come from depreciation written into your policy. Here are the exact rates on each part, a worked bill, and how to spot a deduction that is wrong.
A voluntary deductible is a bet that you will not claim. Here is exactly how much it saves, how much it costs you on a claim, and who should take it.
Our estimates use published rates and standard tables, so you can check every line yourself. They are not quotes. Your insurer's price also depends on its own pricing, any inspection, your claim history and the add-ons you pick. Before you pay, always check the final premium on the insurer's proposal or policy schedule. Read our insurance and financial disclaimer and how we research and update content.
