The **AgenticAuto** platform autonomously calculates the Total Cost of Ownership (TCO) for every registered automobile. The TCO index aggregates all predictable annual operational and maintenance costs required to legally run the vehicle under standard driving conditions (estimated at 15,000 km/year).
| Cost Component | Calculation Methodology & European Variables |
|---|---|
| Annual Road Tax | Calculated dynamically based on regional fiscal rules, engine displacement (cc), and carbon emission metrics (CO2 g/km). Fully waived (€0) for Battery Electric Vehicles (BEV) across most EU countries. |
| Insurance (RCA / Green Card) | Estimated using standard European risk tables with a neutral Bonus-Malus rating. Includes essential third-party liability cover and optional comprehensive (Casco) coverage coefficients. |
| Scheduled Maintenance | Predictive analytics determined by brand reliability histories, mileage thresholds, and vehicle age. Covers standard fluid services and normal mechanical wear-and-tear amortization. |
| Annual Fuel/Energy Cost | Calculated using official combined consumption data (WLTP), multiplied by a standard 15,000 km/year driving range and current European average fuel/electricity prices. |
👉 **TCO Equation**: TCO_Total = Road_Tax + Insurance + Maintenance_Estimate + ((Combined_Consumption * 15000 / 100) * Fuel_Price)