Compare your renewal notice with up to two new quotes by premium, your share of a repair bill and IDV.
Use this tool when you have your insurer's renewal notice and one or two new comprehensive quotes for the same car, same NCB and the same add-ons you actually want. Enter each premium as the final amount payable, including 18% GST.
Your share of the bill. For each quote, add the compulsory deductible (commonly ₹1,000 for private cars up to 1,500 cc and ₹2,000 above), any voluntary deductible you chose, and, if the quote has no zero-depreciation cover, an estimate of the depreciation the insurer would deduct on parts. The depreciation worked example shows how to estimate it; on a three-year-old car, plastic and rubber parts lose 50% and metal parts 15%.
How it works. For each quote: insurer pays = min(bill − your share, IDV); you pay = bill − insurer pays; total = premium + you pay. Quotes are sorted from lowest to highest total.
Worked example (illustrative). For a ₹60,000 repair: renewal ₹17,900 + ₹1,000 = ₹18,900; quote A ₹14,200 + ₹9,800 = ₹24,000; quote B ₹16,600 + ₹1,000 = ₹17,600. With no claim, A is cheapest; with one mid-sized claim, B wins. Set the bill to 0 and to a total loss to see both ends.
Limits. The tool does not include the NCB you lose after a claim, which can exceed the deductible (see claim or pay yourself). It does not read exclusions, consumables cover or garage networks. All defaults are illustrative, not real quotes.
Premium Factors, Cover Types and 2026 Rules
A line-by-line breakdown of an Indian car insurance renewal premium, from the third-party rate and IDV-based own-damage premium to NCB, add-ons and 18% GST.
Renewal Maths and Checklists
A full worked comparison of an Indian renewal notice against two online quotes, adjusting for IDV, NCB, zero dep, deductibles and claim-time cost, with the arithmetic shown.
Renewal Maths and Checklists
How long-term motor policies and IRDAI's pay-as-you-drive, pay-how-you-drive and multi-vehicle floater options work, with worked figures for low-mileage owners and the catches.
Renewal Maths and Checklists
How two-wheeler insurance renewal works in India: 5-year TP for new bikes, standalone OD renewals, TP rates by cc, IDV for scooters and motorcycles, add-ons and a worked comparison.
Renewal Maths and Checklists
How compulsory and voluntary deductibles work in Indian motor policies, the typical discount scale and caps, a break-even worked example, and who should keep it at zero.
