General Insurance

Motor Insurance Premium Estimator

Don't let agents overcharge you. Estimate your car or bike's actual IDV and the exact No Claim Bonus (NCB) discount you deserve.

Vehicle Details
3
3 Years

Select how many years it has been since you last filed an insurance claim. 5+ years gets max discount.

Premium Breakdown

Estimated Premium

₹17,453

IDV Covered: ₹7,00,000

Own Damage (OD)₹17,500
NCB Discount (35%)-₹6,125
Third Party (Mandatory)+₹3,416
GST (18%)+₹2,662

The NCB Portability Hack

The No Claim Bonus (NCB) belongs to YOU, not your car. If you sell your old car and buy a brand new one, you can transfer your 50% NCB to the new car's policy and save thousands on your new premium. Ask your insurer for an "NCB Retention Certificate" when you sell your car.

  • IDV Negotiation: Never let the insurance portal auto-select your IDV (Insured Declared Value). You can manually adjust the IDV up to 10-15% higher. A slightly higher premium is worth it in case of total loss or theft.
  • Zero Dep Cover: If your car is less than 5 years old, always opt for Zero Depreciation (Bumper to Bumper) add-on. Without it, you will have to pay 50% of the cost for plastic/rubber parts from your own pocket during a claim.