Last updated: 20 October 2026
Independent information website
idvcalculator.com is an independent website that provides calculators and educational content about motor insurance in India. We are not an insurance company, broker, corporate agent, web aggregator, insurance marketing firm or any other intermediary registered with the Insurance Regulatory and Development Authority of India (IRDAI). We are not affiliated with, endorsed by or acting for IRDAI, the Ministry of Road Transport & Highways or any insurer.
Estimates, not quotes
All calculator results — IDV, depreciation, NCB, premiums, claim outcomes, add-on value and comparisons — are estimates based on published rules, reference rates and the information you enter. Actual IDV, premiums, deductibles, add-on terms and claim settlements are determined by your insurer according to its underwriting and the policy wording. Figures for vehicles older than five years, own-damage premium discounts and add-on prices are indicative only.
Not professional advice
Nothing on this site is insurance, legal, tax or financial advice. Consider your own circumstances and consult your insurer or a licensed intermediary before making decisions.
Rules can change
Regulations, third-party premium rates, tax rates and insurer practices change from time to time. We review the site regularly, but we cannot guarantee that every page reflects the latest change at all times.
Trademarks
Names of insurers, vehicles and products are trademarks of their respective owners and are used for identification only.
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