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Average Clause (Under-Insurance) Calculator
Check whether your sum insured is enough — and how much a claim would be cut if it is not.
Average Clause (Under-Insurance) Calculator
Claim payable after average clauseUnder-insured at 67% of value — claim cut by ₹2,00,000
Sum insured needed
₹30,00,000
Shortfall
₹10,00,000
Average clause (condition of average): claim = loss × sum insured ÷ actual value when you are under-insured. Many home and business policies apply it; some allow a 15% margin (85% condition). Insure for reinstatement value and review it every year.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Frequently asked questions
Is my data uploaded?
No. The calculation runs entirely in your browser — nothing you type is sent to a server.
Is it free?
Yes — free, unlimited and no sign-up.