Motor Insurance Calculator

About Motor Insurance Calculator

Calculate motor insurance premiums offline across cars, two-wheelers, commercial vehicles, and passenger taxis. Generate branded quotation PDFs and access essential transport utilities directly on your device.

Designed for insurance agents, point-of-sale (POS) executives, vehicle dealers, and vehicle owners, this app provides an offline estimation engine with customizable quotes, RTO tools, and financial utilities.

Supported Vehicle Categories

- Two-Wheelers: Scooters, motorcycles, and electric 2-wheelers by CC and kW ratings.

- Private Cars: Petrol, Diesel, CNG/LPG, and Electric models.

- Goods Carrying Vehicles (GCV): Public and private carriers classified by Gross Vehicle Weight (GVW).

- Passenger Carrying Vehicles (PCV): Taxis (4-seater, 6-seater), auto-rickshaws, and buses.

- Miscellaneous Vehicles: Tractors, ambulances, and construction equipment.

Premium Calculation Engine

- IDV Calculator: Computes Insured Declared Value using manufacturer ex-showroom price and vehicle age depreciation (5% to 50%).

- Own Damage (OD) Premium: Base rate calculation by cubic capacity (CC) and rating zones (Zone A / Zone B).

- No Claim Bonus (NCB): Slabs supported from 0%, 20%, 25%, 35%, 45%, to 50%.

- Third Party (TP) Premium: Statutory tariff calculations based on CC, GVW, or kW rating.

- Add-On Covers: Zero Depreciation, Engine and Gearbox Protection, Consumables Cover, Roadside Assistance (RSA), Return to Invoice (RTI), and Personal Accident (PA) cover for owner-driver and passengers.

- Discounts and Endorsements: Voluntary deductible, Automobile Association membership discount, and CNG/LPG bi-fuel kit endorsements.

- Tax Calculation: Standard 18% GST auto-computation with multi-region customizability.

Quotation and PDF Engine

- Custom Agent Profile: Add your name, phone number, Agency/POS ID, agency logo, and custom footer message.

- Client Proposals: Personalize quotes with client name, vehicle number, policy terms, and selected covers.

- Instant Sharing: Generate high-resolution PDFs or copy in-app text previews to share directly via WhatsApp, WhatsApp Business, or Email.

RTO and Vehicle Utilities

- RTO Code Directory: Search transport office codes (such as DL-01, MH-02) by city or state across India.

- RTO Forms Download: View and download standard transport forms offline, including Form 26 (Duplicate RC), Form 28 (NOC), and Forms 29 and 30 (Ownership Transfer).

- Transport Verification Helpers: Redirect shortcuts to check e-challan and driver license status.

Agent Productivity Suite

- Loan EMI Calculator: Compute monthly loan installments, total payable amounts, and interest splits.

- Cash Counter: Denomination tally tool for field cash collection.

- Policy Renewal Tracker: Save local client renewal records and configure local expiry reminder notifications.

- QR Code Tool: Generate and scan agent contact vCards and payment QR codes.

Disclaimer

This app is an independent tool for educational and quotation estimation purposes. It is not affiliated with, endorsed by, or connected to any government agency (RTO/Parivahan) or insurance company. Estimates are based on standard regulatory tariff guidelines and do not constitute a legal insurance contract. Final premium rates are subject to official insurer policy terms.