Insurance
Vehicle Insurance
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Vehicle Details
Get an estimated premium
Vehicle Type
Plan Type
Up to 50% for 5+ claim-free years
Estimated Annual Premium
₹10,800
Comprehensive
Before NCB
₹13,500
NCB Discount
-₹2,700
Per Day
₹30
What's Covered?
In a Comprehensive plan
Insight
NCB of 20% saves you ₹2,700 — protect your NCB by avoiding small claims!
Note
- NCB increases 5%-50% per claim-free year. Don't claim small dents - protect NCB.
- Zero Dep is worth it for new cars (under 5 years).
- Always declare correct IDV - too low means lower claim payout.
- Third party is mandatory by law; comprehensive is highly recommended.
About this tool
What is Vehicle Insurance?
Vehicle Insurance protects you against financial losses from accidents, theft, fire, or third-party damages. In India, third-party insurance is mandatory by law. Comprehensive insurance (recommended) covers both third-party liabilities and damage to your own vehicle. Zero Depreciation cover ensures no depreciation is deducted on parts during claims.
How to use
- 1.Select your vehicle type (2-wheeler/hatchback/sedan/SUV)
- 2.Choose plan type (Third Party / Comprehensive / Zero Dep)
- 3.Enter IDV (Insured Declared Value)
- 4.Enter vehicle age
- 5.Set NCB (No Claim Bonus) if applicable
- 6.See estimated annual premium
Formula
Base Premium = Vehicle Type Rate × Plan Multiplier + IDV × 1.8%
Final Premium = Base − NCB DiscountFrequently asked questions
IDV (Insured Declared Value) is the maximum amount the insurer will pay if your vehicle is stolen or totally damaged. It's calculated based on the vehicle's current market value (after depreciation). Don't undervalue IDV - you'll get less in claims.
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