Car Insurance — ગુજરાતીમાં
₹8L car: ₹15K–₹25K/year.
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
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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: ₹15K–₹25K/year.
વાહન વીમો: mandatory third party.
વારંવાર પૂછાતા પ્રશ્નો
IDV?
Market value.
NCB?
20–50%.
Zero dep?
Extra.
Online?
PolicyBazaar.
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