Motor insurance claim calculator

What the standard policy pays after an accident: repairs to your vehicle, injuries and damage to others, and rider cover on a motorcycle. Every deduction is shown.

Vehicle

Use

Fuel

Engine size

Damage to your vehicleRepairs from the garage estimate, towing, or a write-off.

The garage estimate

Split the repair bill the way the policy deducts from it. Leave a line blank if it isn’t on the bill.

Rubber parts, lights, batteries, tyres and tubes

50% deducted

Fibre glass parts

30% deducted

Glass and airbags

0% deducted

Other parts

Metal and the rest, deducted by the vehicle’s age

Labour

Paid in full, nothing deducted

The vehicle

Its value

Insured value

The declared value on your policy schedule

Age

Since first registration; 1.5 is a year and a half

Voluntary excess

Only if you chose one when buying the policy

Towing, if it was towed

Paid up to Rs 3,000 (distance up to 100 km from the accident site) or Rs 5,000 (distance exceeding 100 km).

Distance to the garage

Towing bill

Injury or damage to othersPeople hurt in the accident, and property damaged.

Rider or pillion hurtCover for the people on the motorcycle.

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