Car Insurance Claim Calculator

Q: What is the difference between Zero Dep and Standard Policy?

In a Zero Depreciation policy, the insurance pays 100% of the parts cost. In a Standard policy, the insurance cuts around 50% for depreciation (depending on plastic/metal parts), meaning you pay the rest.

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Car Insurance Claim

Calculate who pays what during an accident claim

⚙️ Parts Cost (₹):

👨‍🔧 Labor Cost (₹):

📄 Insurance Policy Type:

🧾 Compulsory Deductible (File Charge ₹):

📖 How to Use the Insurance Claim Calculator?

Step 1: Enter the estimated Parts Cost given by the garage/showroom.
Step 2: Enter the estimated Labor Cost for the repair work.
Step 3: Select your Policy Type (Zero Depreciation or Standard/Comprehensive).
Step 4: Enter your Compulsory Deductible (File charge, usually ₹1000 for cars under 1500cc).
Step 5: Click "Calculate Claim Payout" to see exactly how much you need to pay from your pocket.

❓ Frequently Asked Questions (FAQ)

1. What is the difference between Zero Dep and Standard Policy?

In a Zero Depreciation policy, the insurance pays 100% of the parts cost. In a Standard policy, the insurance cuts around 50% for depreciation (depending on plastic/metal parts), meaning you pay the rest.

2. What is a Compulsory Deductible?

It is a mandatory file charge set by IRDAI that every customer must pay during a claim. It is usually ₹1000 for cars up to 1500cc and ₹2000 for cars above 1500cc.

3. Does insurance cover labor charges?

Yes! Whether you have a Zero-Dep or Standard policy, the labor costs for accidental repair are generally 100% covered by the insurance company.