Estimate car insurance premium
Base Premium
₹24,000
Before NCB
GST
₹4,896
@ 18%
Final Premium
₹32,096
Annual estimate
Estimate car insurance premium using IDV, base premium rate, no-claim bonus, add-ons, and GST.
This calculator gives a planning estimate of annual car insurance premium by splitting base premium, NCB discount, add-on cover cost, GST, and final premium.
Premium before tax is estimated as base premium minus NCB discount plus add-ons. GST is then applied to estimate final payable premium.
No. Actual premium depends on insurer, city, vehicle model, age, claim history, cover type, and add-ons.
Insured Declared Value is the approximate current value of the vehicle used for insurance calculation.
No-claim bonus is a discount for claim-free years, subject to insurer rules.