Car Insurance Calculator — கார் காப்பீடு Premium தமிழில்
₹8L car, 3yr: IDV ≈₹5.04L. Comprehensive: ₹12K-18K.
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, 3yr: IDV ≈₹5.04L. Comprehensive: ₹12K-18K.
Third-party mandatory. Comprehensive = TP + OD.
அடிக்கடி கேட்கப்படும் கேள்விகள்
IDV?
Ex-showroom × (1−depreciation).
NCB?
1yr no claim: 20%. 5yr: 50%.
Zero Dep?
Full value. +15-20% premium.
TP limit?
Unlimited for humans.
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