🚗 Motor Insurance Calculator
Estimate your comprehensive vehicle insurance premium — Own Damage (based on IDV, reduced by your No Claim Bonus) plus IRDAI-fixed Third Party cover and GST.
Estimated Annual Premium
₹0
Own Damage Premium (after NCB)₹0
Third Party Premium (IRDAI fixed)₹0
GST (18%)₹0
NCB Saving₹0
Own Damage is modelled at ~3% of IDV for cars and ~2% for two-wheelers; actual OD rates vary by insurer, vehicle age, model and city. Third Party rates are as per the latest IRDAI notification and may be revised. NCB applies only to the OD portion and transfers with you to a new vehicle. Add-ons like zero-depreciation cost extra. Estimates only.