How was my estimated payout calculated?
Reviewed October 2026 · General guidance; your policy wording and insurer decide your claim.
ClearClaim starts from your total repair bill. It subtracts depreciation on the parts (based on material and car age, unless you have zero-dep), then your deductible, and caps the result at your IDV.
That gives the estimated insurer payout. Your out-of-pocket cost is the bill minus that payout.
It then adds the No-Claim Bonus discount you would lose next year to compare claiming with paying yourself. These are fixed published rules, not AI guesses. The final settlement is always decided by your insurer and surveyor.