Car Insurance Premium Calculator

Small scrape — file the claim or pay out of pocket? Enter your base premium, region (China / UK / US use different NCD systems), and claim history. This tool applies the region's no-claims-discount coefficients and estimates your next year's premium.

Base premium * Enter the previous year\'s commercial auto premium.

Currency

Region (NCD system) * NCD rules differ substantially across jurisdictions.

Claim / renewal status *

Autonomous pricing coefficient (0.5–1.5, default 1.0) Adjusts the premium for risk factors the insurer assigns to your car and driving profile.

How to use

Enter your base premium and currency.
Pick your region — each uses a different NCD system.
Select your claim history and submit.

How the calculation works

Estimated next-year premium = base × NCD factor × autonomous pricing factor. The NCD table depends on region: China uses a state-regulated 0.5–2.0 coefficient table; UK NCD is typically a discount percentage (up to ~50% off for long claim-free history); US experience rating is state-regulated and generally more binary. See the region table below the form. Source: Wikipedia — No-claims discount

FAQ

If I have one small claim, does my premium go up?

It depends. If your previous NCD gave you a discount, one claim usually erases that discount (you return to the base). If you were already at the base, one small claim may not change your premium immediately but will reset your discount-eligibility clock.

Should I file a small claim or pay myself?

Compare "premium increase × years of lost discount" with the repair cost. For small damage it is often cheaper to pay yourself; for third-party liability or large damage, file the claim.

Do compulsory and commercial insurance claims interact?

In China, compulsory (Jiaoqiangxian) and commercial insurance are tracked separately - NCD is mainly driven by commercial claims. In the UK and US, the two typically cannot be split that cleanly.

Do EV premiums use the same rule?

The NCD logic is the same, but EV base premiums are typically higher (especially vehicle-damage cover), so absolute premium changes are larger.

References

Wikipedia — No-claims discount (https://en.wikipedia.org/wiki/No-claims_discount)
China commercial auto insurance reform (post-2020 NCD table)

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