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Motor Claim Depreciation Calculator
See what a claim pays with and without a zero-depreciation add-on.
Motor Claim Depreciation Calculator
Claim payable₹50,000 repair bill − ₹11,750 depreciation − ₹1,000 compulsory excess
| Part type | Cost | Depreciation |
|---|---|---|
| Metal | ₹20,000 | 15% = ₹3,000 |
| Plastic / rubber | ₹15,000 | 50% = ₹7,500 |
| Fibreglass | ₹0 | 30% = ₹0 |
| Glass | ₹5,000 | 0% = ₹0 |
| Paint material | ₹10,000 | ₹1,250 |
Standard IRDAI motor tariff depreciation (rubber/plastic/nylon 50%, fibreglass 30%, glass nil, metal by vehicle age). Zero-depreciation covers usually allow only two claims a year. Voluntary excess you chose is deducted too.
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.