FreeFor car owners, fleets and workshops in India
A small claim can cost more than the repair once you lose your No-Claim Bonus. ClearClaim X-rays the workshop quote and shows, line by line, what your insurer pays, what you pay, and which choice is cheaper.
- 2 min
- to an answer
- 0
- sales calls
- 100%
- math shown
- Rear door · metal₹14,500...
- Windshield · glass₹11,200...
- Bonnet · metal₹16,800...
- Headlamp · plastic₹6,400...
- Front bumper · plastic₹9,800...
Insurer pays
₹ ...
You pay now
₹ ...
Bonus lost
₹ ...
Why it matters
A ₹12,000 bumper can cost more to claim.
Insurers deduct 50% on plastic parts, you pay the deductible, and the claim resets your No-Claim Bonus at renewal. Add it up and paying the workshop yourself is often cheaper.
Example: 3-year-old car, 35% No-Claim Bonus, ₹18,000 renewal premium.
If you claim
₹15,100
- You pay the workshop
- ₹7,000
- Bonus lost at renewal
- ₹8,100
If you pay yourself
₹12,000
- Full repair bill
- ₹12,000
Paying yourself saves about ₹3,100 here. Your own numbers may say the opposite, which is why we check.
How it works
No insurance vocabulary needed. Unsure about a word? The assistant explains it in one line.
Pick your car
A saved car, or just the year it was made. Age decides how much insurers knock off metal parts.
Tap what’s damaged
Point at the bumper, door or windshield on a diagram and type the workshop’s quote. Or upload the PDF.
Get a straight answer
What the insurer pays, what you pay, the bonus you’d lose, and which choice costs less over three years.
Try it, no sign-up
Your quote.
Your answer.
Enter what the workshop quoted. Everything runs in your browser; nothing is sent anywhere.
Try it: quick check
CalculatingYour No-Claim Bonus
Car age
Example assumptions: ₹1,000 deductible, ₹14,000 renewal premium, no zero-dep cover. The full check uses your own policy.
Do the full check with my policyWhat you’ll see
The numbers insurers use. Finally out loud.
Your No-Claim Bonus, climbing for years
Each claim-free year raises the discount. One claim drops it to zero. ClearClaim prices that loss in rupees.
Plastic bumper, ₹10,000 quote
₹0
is yours to pay. Plastic parts lose 50% on replacement.
A verdict, with the working shown
Claim, pay yourself, or too close to call, and every rule behind it. Fixed rules, not AI guesses: same inputs, same answer.
A record you can prove later
Saved checks get a fingerprint. If anyone edits the record afterwards, the mismatch shows.
sha256 · 9f2c4e1a7b…d03e8c55
Built for the people who handle the most claims.
Separate workspaces for fleets and workshops, designed around how each actually works.
Straight talk
On your side of the table. Not the insurer’s.
ClearClaim is
- An independent calculator
- A tamper-evident record of your car
- Clear about what’s estimated
- Built on your consent
ClearClaim is not
- Your insurer, or a broker
- Approving or rejecting claims
- Guessing with AI fraud scores
- A guarantee of the payout
Questions
Car insurance, minus the jargon.
The assistant answers from the same reviewed guide, and says so when it doesn’t know.
Claiming makes sense when the insurer’s payout is clearly larger than what claiming costs you. That cost is your deductible, the depreciation you pay, and the No-Claim Bonus discount you lose at renewal.
For small repairs, losing a 35–50% NCB often costs more than the repair itself, so paying yourself can be cheaper.
ClearClaim’s claim check works this out with your own numbers and shows every step. Open it from “Check a claim”.