Car4You · Free tool
Car insurance calculator
Estimate annual premium from IDV, age, city tier and NCB — with zero-dep / engine protect toggles and a clear cost breakdown chart.
Frequently asked questions
- How is the insurance premium estimated?
- Own-damage premium scales with IDV, car age and city tier, reduced by NCB. Third-party is a fixed band by IDV. Add-ons and 18% GST are added on top.
- What is NCB?
- No-claim bonus discounts your OD premium if you had no claims last year — typically 20% to 50% depending on claim-free years.
- Is this a final insurer quote?
- No. This is an indicative planning tool. Final quotes depend on insurer underwriting, claim history, make/model and RTO zone.