Car Insurance Calculator

Insured Declared Value — maximum payout for total loss. Starts at ex-showroom price; depreciates annually (15% year 1, 20% year 2, etc.).

No Claim Bonus — discount on own-damage premium for each claim-free year. 20% first renewal, 25% second, up to 50% at year 5. Resets to 0% on any claim.

Yes for new/expensive cars — covers depreciation on parts replaced during claim. Without zero-dep, you bear 30–50% of part cost.

You can, but NCB (usually 2–5x the claim amount) makes small claims uneconomical. Pay out-of-pocket for scratches under ₹10K.