Car Insurance Calculator — తెలుగులో

₹8L car, comprehensive: ₹15K–₹25K/year premium.

Skip if EV — TP premium is 15% lower

Insured Declared Value (IDV)

₹8.5L

Third Party Premium

₹3,416

Own Damage Premium

₹17,531 – ₹24,544

Total Estimated Premium

₹20,947 – ₹27,960/yr

25% No Claim Bonus applied to OD premium — 2 claim-free years.

How IDV is calculated

IDV = Ex-showroom price × (1 − depreciation). Depreciation: 5% (Yr 1) → 15% → 30% → 50% → 65% (Yr 5+). TP premium is government-regulated; OD premium varies by insurer.

Premiums are indicative. Get quotes on Acko, Digit, or IRDAI Bima Sugam for exact figures.

₹8L car, comprehensive: ₹15K–₹25K/year premium.

Car insurance: third party mandatory. Comprehensive recommended.

తరచుగా అడిగే ప్రశ్నలు

IDV?

Insured Declared Value = market value.

NCB?

Claim-free: 20–50% discount.

Zero depreciation?

Extra premium, full claim.

Online?

PolicyBazaar, Acko compare.

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