This tool calculates only the mandatory third-party liability premium, which is fixed by IRDAI regulation and identical across insurers. It excludes GST and the compulsory Personal Accident cover for owner-driver, both of which your insurer adds separately — this is not the total payable premium, and it is not a quotation for comprehensive/own-damage cover, add-ons, or any insurer-specific pricing. Coverage only exists once an insurer issues a policy. Figures are based on the researched source cited in the result above; if a newer notification has superseded it, our team will confirm the current figure when you request a quote.