Car IDV Calculator
Estimated insurance value of your car, including accessories and a fitted CNG kit.
Open calculator →Bike / Scooter IDV Calculator
Estimated insurance value of your motorcycle or scooter.
Open calculator →Vehicle Depreciation Calculator
Age-based depreciation used for insurance valuation, year by year.
Open calculator →NCB Calculator
Your No Claim Bonus and what it saves on the own-damage premium.
Open calculator →Car Insurance Premium Estimator
Approximate car premium from IDV, engine size, zone, NCB and add-ons.
Open calculator →Bike Insurance Premium Estimator
Approximate two-wheeler premium, own-damage plus third-party.
Open calculator →Claim vs Pay Yourself Calculator
Is a small claim worth it? Compare the payout with deductibles and the NCB you would lose.
Open calculator →Zero Depreciation Comparison Tool
What you would pay on a repair bill with and without the zero-dep add-on.
Open calculator →Return-to-Invoice Gap Calculator
The gap between your IDV and the invoice value that RTI cover would fill.
Open calculator →Deductible Comparison Calculator
Premium saved by a voluntary deductible versus the extra you pay per claim.
Open calculator →IDV vs Premium Comparison Tool
Compare insurer quotes that offer different IDVs — cost per lakh of cover.
Open calculator →Insurance Renewal Comparison Tool
Compare renewal quotes by premium, IDV, deductibles and add-ons.
Open calculator →Which calculator do you need?
| Your question | Use this tool |
|---|---|
| What should my IDV be this year? | Car IDV Calculator or Bike / Scooter IDV Calculator |
| How much value has my vehicle lost for insurance? | Vehicle Depreciation Calculator |
| What discount does my claim-free record give me? | NCB Calculator |
| Roughly what will my policy cost? | Car Premium Estimator or Bike Premium Estimator |
| Is this small repair worth claiming? | Claim vs Pay Yourself Calculator |
| Do I need zero-dep cover? | Zero Depreciation Comparison Tool |
| How much would Return-to-Invoice add on total loss? | RTI Gap Calculator |
| Should I take a voluntary deductible? | Deductible Comparison Calculator |
| Two quotes have different IDVs — which is better value? | IDV vs Premium Comparison |
| Which renewal quote should I pick? | Insurance Renewal Comparison |
How these calculators work
Every tool on idvcalculator.com follows a published rule — the age-wise depreciation schedule printed in Indian motor policy wordings, the standard depreciation rates on parts, the No Claim Bonus slabs, the compulsory deductibles and the Government-notified third-party premiums. Where a rule does not exist (for example IDV on a vehicle older than five years, or the price of an add-on) we say so on the result and label the figure as an estimate.
All calculations run in your browser. We do not ask for your phone number, email or registration number, and nothing you type is stored. You can share any result with a link — the link simply carries the numbers you entered.
Read the full assumptions on our How We Calculate page.