Car Insurance Premium Calculator
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Note: The above data is till 30th Sep, 2024
What is Car Insurance Premium Calculator?
A car insurance calculator is an online tool that helps you to calculate your estimated premium on your car insurance policy. The car insurance calculator also helps you to customize your car insurance policy by selecting optional add-ons that would provide better coverage to your car.
The online car insurance calculator offered by us will allow you to determine the amount of premium for the insurance you purchase and will let you make the right choice.
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Benefits of Car Insurance Calculator?
Here are a few advantages of using a Car Insurance Premium Calculator:
Car insurance premium:
With the help of a car insurance calculator, you can compare the premium of different Zurich Kotak Car Insurance plans provided by us. The tool allows you to customise the IDV of your car and displays you the impact on car insurance premium. Various discounts are available at Zurich Kotak General Insurance on Zurich Kotak Car Insurance plans.
Optional add-ons:
Zurich Kotak General Insurance provides various add-ons that provide you with additional coverage for your car. With a car insurance calculator, you can decide the extra premium you are willing to pay to ensure extra protection for your car.
Car insurance quote for old & new car:
You can get car insurance quotes for an old and new car. Zurich Kotak Car Insurance Calculator Works for both old & new cars.
Ease of use:
Insurance agents do not have to come to your home or spend hours on the phone with you. You can check prices & features of car insurance online on your mobile. It's that easy!
Prudent decisions are easy to make:
Learn more about the factors that affect your car insurance premium by using a car insurance premium calculator. This knowledge helps in making an informed choice.
How is Car Insurance Premium Calculated?
Using this simple formula, you can better understand the calculation of car insurance premiums.
Premium = Own Damage Premium - (No claim bonus + discounts) + Liability Premium as Fixed by the IRDAI + Cost of Add-ons
The following is a sample car insurance calculation for your reference
Year of Manufacture | 2012 | Comprehensive Policy with NCB (all values in Rupees) |
|---|---|---|
Ex Showroom Price | 4,16,000 (X) | |
Depreciation Percentage | 20% * X | Rs.83,200 (Y) |
Insured Declared Value (IDV) | 3,32,800 (X - Y) | Rs.3,32,800 (Z) |
Own Damage Premium | 1.970% | Rs.6,556 (A) |
NCB discounts | 20% * A | Rs.1,311 (B) |
Total OD Premium | 5,425 (A - B) | Rs.5,245 (C) |
Personal Accident Cover | 100 (D) | |
Legal Liability Paid to driver | 50 (E) | |
Compulsory Third Party Cover | 1,110 (F) | |
Net Premium | 6,505 (C + D + E + F) | Rs.6,505 (G) |
GST @ 18% | 18% * G | Rs.1,171 (H) |
Total premium | 7,676 (G + H) | Rs.7,676 |
How to use Zurich Kotak Car Insurance Calculator?
To use the car insurance calculator
Click on the calculate premium
Enter your vehicle registration number
Enter your details such as mobile number, email address
Provide make-model of your car
Click on get quote
Steps to buy car insurance online from Zurich Kotak General Insurance
Hassle-free insurance at your fingertips with our easy and fast online process
Get All-round protection for your precious vehicle in a few steps. We at Zurich Kotak General Insurance understand the value of your time and have simplified the car insurance buying process to a few simple steps.
Click on the "Get a Car Insurance Quote" button on the Zurich Kotak Car Insurance Page
Fill in your car details such as registration number, model, make etc.
Fill in you personal details and make the payment online.
How to get an online quote for car insurance
See how simple it is to get a car insurance quote with us
Visit Zurich Kotak General Insurance website
Log in to your Zurich Kotak General Insurance profile using the OTP sent to your mobile number
Fill in your details such as car registration number, mobile number and email id (optional).
Click on the "Get A Quick Quote" button on the Zurich Kotak Car Insurance Page and review coverage
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Factors affecting four-wheeler insurance premium
Understand the key factors that affect your four-wheeler insurance premiums
Tips to avoid actions that increase car insurance cost
Learn some savvy tips to avoid actions that raise your car insurance costs
One of the most important factors affecting car insurance premiums is your driving history. By avoiding traffic violations will help keep your premiums lower.
Generally, high-performance or luxury vehicles, tend to have higher premiums. It is advisable to research comprehensive insurance premium before purchasing a car.
Opting for higher deductibles can lower your premiums. The deductible is the amount you’re responsible for paying out of pocket before your insurance cover kicks in.
Paying bills on time and maintaining a good credit score can result in lower insurance rates.
Periodical review of your insurance coverage ensures you have appropriate level of protection.
Reduction in your annual mileage, using public transportation or working from home may result in lower premiums.
Zurich Kotak General Insurance cashless network garages
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.
Important Car Insurance Terminologies
There's always more to know about Car Insurance
The Insured Declared Value (IDV) is the insurer's maximum coverage for a vehicle during a policy period. It is calculated using the vehicle's selling price and depreciation, and serves as compensation in case of total loss.
The No Claim Bonus is the discount on the own damage portion on the premium offered to the policyholder from the car insurance company for responsible driving and not filing damage claims during the preceding policy year.
Zero Depreciation Cover is an add-on wherein the entire claim amount is settled by the car insurance company without factoring in depreciation value of the insured car. This cover is applicable to vehicles that are less than 5 years old.
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Car Insurance Calculator - Frequently Asked Questions
A car insurance calculator is a free online tool that calculates the approximate premium you would have to pay for your car insurance policy.
The car insurance calculator requires you to input a few details such as your vehicle registration number, mobile number and email address, make-model of your car, NCB discount, etc and you can get a quote basis the information.
A car insurance calculator helps save your time and instantly tells you approximate premium amount. You can decide which optional add-ons you want to add to your car insurance policy. Also, the car insurance calculator helps you to check your discount on the premium at the time of car insurance renewal.
Click on the link
Enter your vehicle registration number, mobile number and email address
Enter car details such as make – model
Provide details of your previous policy, NCB Discounts, etc
Click on Get quote
The car insurance calculator helps to know the premium you would have to pay before zeroing on the policy. You can also decide the premium you are willing to pay to have additional coverage by selecting specific optional add-ons with your car insurance policy.
Yes, it does. You will have to enter the vehicle registration details, your phone number and email address.
During car insurance policy renewal, the car insurance premium calculator calculates the premium after deducting the No claim Bonus if you have any. It also calculates the premium if you choose a new rider for your car insurance policy.