Sample quoteFictional figures. Replace them with your workshop’s lines.
Repair quote
₹0Insurer would pay
₹0You would pay
₹0With zero-depreciation cover you’d pay about ₹1,000 on this quote, ₹15,425 less. Worth checking at your next renewal.
Older cars lose more on metal parts. Plastic is always 50%.
- ₹Big cost to youInsurer ₹7,400You ₹7,400 · 50%
Plastic parts lose 50% on replacement. Ask the workshop whether it can be repaired instead: repair work is mostly labour, which isn’t depreciated.
- ₹Big cost to youInsurer ₹4,800You ₹4,800 · 50%
Plastic parts lose 50% on replacement. Ask the workshop whether it can be repaired instead: repair work is mostly labour, which isn’t depreciated.
- ₹Insurer ₹18,275You ₹3,225 · 15%
Metal parts on a 3-year-old car lose 15% on replacement. A repair rather than replacement may cost you less.
- ₹Insurer ₹11,200You ₹0
Glass isn’t depreciated, so the insurer would cover this line in full (before the deductible).
- ₹Insurer ₹7,400You ₹0
Labour isn’t depreciated, so the insurer would cover this line in full (before the deductible).
Uses the standard depreciation schedule insurers commonly apply. Your policy wording, add-ons and the surveyor’s assessment decide the actual settlement.