Insurance Claim Calculator
Calculate accurate insurance claim amounts for your vehicle with our comprehensive calculator. Estimate IDV, Own Damage claims, Third Party liabilities, and understand claim settlement process for motor insurance in India.
Select Claim Type
Vehicle & Claim Details
Vehicle Information
Insurance Policy Details
Own Damage Claim Details
Additional Information
Claim Estimate
Estimated Claim Amount
Claim Breakdown
⏱️ Settlement Timeline
📋 Policy Details
💡 Claim Tips
IDV (Insured Declared Value) Calculator
Calculate IDV for Your Vehicle
IDV Depreciation Schedule
| Vehicle Age | Depreciation |
|---|---|
| 0-6 months | 5% |
| 6-12 months | 15% |
| 1-2 years | 20% |
| 2-3 years | 30% |
| 3-4 years | 40% |
| 4-5 years | 50% |
| 5+ years | Agreement |
Insurance Claim Process Guide
Immediate Steps
- • Ensure safety first
- • Call emergency services
- • Take photos/videos
- • Note down details
Inform Insurance
- • Call insurer within 24 hours
- • File FIR if required
- • Get claim number
- • Submit initial documents
Survey & Assessment
- • Surveyor inspection
- • Damage assessment
- • Repair estimate
- • Submit final documents
Settlement
- • Claim approval
- • Payment processing
- • Vehicle repair
- • Claim closure
Required Documents for Claims
Basic Documents
- ✓ Insurance Policy Copy
- ✓ Vehicle Registration Certificate
- ✓ Valid Driving License
- ✓ PAN Card Copy
- ✓ Address Proof
- ✓ Bank Account Details
Accident Related
- ✓ FIR Copy (if applicable)
- ✓ Police Panchnama
- ✓ Accident Photos/Videos
- ✓ Repair Estimates
- ✓ Original Bills & Receipts
- ✓ Surveyor's Report
Additional (If Required)
- ✓ Medical Reports (for injuries)
- ✓ Death Certificate (for fatality)
- ✓ Income Proof (for compensation)
- ✓ Fitness Certificate
- ✓ Transfer Papers (for sold vehicle)
- ✓ Legal Documents (if litigation)
⚠️ Important Disclaimer
This insurance claim calculator provides estimated claim amounts based on provided information and standard insurance calculation methods. Actual claim settlements may vary significantly based on policy terms, conditions, exclusions, insurer's assessment, surveyor's report, depreciation calculations, and specific circumstances of the claim. This tool is for informational and estimation purposes only and should not be considered as a guarantee of claim settlement amount or approval. For accurate claim assessment and processing, always consult with your insurance company, authorized surveyors, and follow the official claim settlement process. Claim settlements are subject to policy terms, conditions, and regulatory guidelines.