Car Insurance Premium Calculator
Demystify your car insurance quote. See exactly how much you are paying for Third-Party, Own Damage, and Zero-Depreciation add-ons.
Current estimated market value of your vehicle.
Premium Add-ons
Total Estimated Premium
₹23,147
Incl. 18% GST (₹3,531)
Premium Breakdown
Third-Party Liability
Fixed rate by IRDAI for 1000-1500cc
₹3,416
Own Damage (OD)
Protects your car
₹15,000
No Claim Bonus (20%)
Discount applied to OD
- ₹3,000
Zero Dep Add-on
100% claim on plastics/metals
₹4,200
Zero-Depreciation Rule
A standard policy cuts 50% on plastic parts. A "Zero-Dep" policy pays 100% of the replacement cost. However, most insurers do not offer Zero-Dep coverage for cars older than 5 to 7 years.