Insurance Claim Calculator – Motor Assessment Tool

Calculate motor insurance claim amount with GST, depreciation, excess & salvage. Supports Normal & Nil Dep policies. Instant PDF report.

Claim Assessment Calculator
Metal Dep %:
DescriptionAmountGST %GSTTotal
Parts (Metal)
Parts (Rubber/Plastic)
Parts (Glass)
Total Parts Value
Labour
Painting
Total Labour Charges
TOTAL (PARTS + LABOUR)
Towing Charges
Less: Compulsory Excess
Less: Salvage
NET ASSESSMENT

Key Features

✅ GST calculation (18% / 0%) per component
✅ IRDAI depreciation rates (metal, plastic, glass, painting)
✅ Normal & Nil Dep policy toggle
✅ Compulsory excess & salvage adjustment
✅ Instant PDF report generation
✅ 100% browser-based, no data upload

How to Use This Motor Claim Assessment Tool

1. Enter repair costs for parts (metal, rubber/plastic, glass), labour, painting, and towing.
2. Select applicable GST rates for each component.
3. Choose policy type (Normal or Nil Dep). For Normal policy, select the correct metal depreciation percentage based on vehicle age.
4. Set compulsory excess and salvage value (if any).
5. Instantly view total claim amount, GST, depreciation deductions, and net assessment.
6. Click "Download PDF" to generate a professional claim summary report.

Why Use This Claim Calculator?

Insurance claim settlements often involve complex calculations. This tool simplifies the process, giving you a clear breakdown of parts value, GST, depreciation, and net payable. Perfect for workshops preparing estimates, surveyors verifying claims, or car owners understanding their claim amount.

Depreciation Rates Used (Normal Policy)

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Frequently Asked Questions

What is the difference between Normal Policy and Nil Dep?
In a Normal policy, depreciation is deducted from parts (metal, plastic, painting) as per IRDAI rates. Nil Dep (Zero Depreciation) policy waives all depreciation deductions, giving you a higher claim amount.
How is GST calculated in this tool?
You can select 18% or 0% GST per line item. GST is applied on the base amount, and the total (base + GST) is shown separately.
What is compulsory excess?
Compulsory excess is a fixed amount deducted from every claim, as per policy terms. Default is ₹1000 but can be changed.
Can I use this calculator for two-wheelers?
Yes, the depreciation and GST rules are similar for two-wheelers in India.
Is my data safe?
Yes, all calculations happen locally in your browser. No data is sent to any server.