🛡️ EV Insurance Premium Estimator

Calculate your EV insurance premium in India based on IDV, coverage type, city tier, claim history and add-ons.

Typical annual premium
₹10k–₹50k
Base logic
IDV-driven
Calculation
Client-side
Add-ons
Optional
Vehicle & Coverage Details
Enter the approximate current Insured Declared Value of the EV (₹1,00,000–₹1,00,00,000).
Higher traffic and claim risk in metros can increase the premium.
Comprehensive covers own-damage + third-party; Third Party is liability-only; Standalone OD covers own damage only.
Number of claims filed in the last 3 policy years — fewer claims mean a higher No Claim Bonus.
Only override this if you know your exact No Claim Bonus percentage from your policy.
Add-ons
Full claim settlement without depreciation deduction on parts.
24x7 breakdown, towing and on-spot assistance.
Covers battery-specific damage and degradation issues.
Return to Invoice — get the invoice value on total loss or theft.
About This Calculator

This calculator estimates your EV insurance premium in India based on the Insured Declared Value (IDV), your city tier, coverage type, claim history and optional add-on covers such as Zero Depreciation, Roadside Assistance, Battery Protect and Return to Invoice (RTI). A No Claim Bonus (NCB) discount is applied automatically based on your claim-free years, and 18% GST is added to the final premium.

Note: This is an estimate for informational purposes only. Actual premiums vary by insurer, vehicle model, and underwriting rules — always get a quote from your insurance provider.