Estimate how much of a parts bill the insurer pays after depreciation and deductibles when you have no zero-dep cover.
Without a zero-depreciation (nil depreciation) add-on, an own-damage claim is paid after the insurer deducts depreciation on parts that are replaced. Labour charges are not depreciated. This tool estimates the parts side.
Typical depreciation rates in standard policy wordings: rubber, nylon and plastic parts, tyres and tubes, and batteries 50%; fibreglass parts 30%; glass nil. Metal parts by vehicle age: up to 6 months nil, 6–12 months 5%, 1–2 years 10%, 2–3 years 15%, 3–4 years 25%, 4–5 years 35%, 5–10 years 40%, over 10 years 50%. Paint is treated separately: 50% depreciation on the cost of paint material.
How to use it. Enter the cost of all replaced parts. For the average rate, weight each part's depreciation by its cost: for example ₹16,000 of plastic bumper parts at 50% plus ₹24,000 of metal panels at 15% gives (₹8,000 + ₹3,600) / ₹40,000 = 29%. Enter the compulsory deductible and any voluntary deductible.
Formula. Insurer pays on parts = parts − (parts × rate) − compulsory deductible − voluntary deductible. Add the labour charges to get the full claim payout.
Worked example (illustrative). Parts ₹40,000 at an average 25%: depreciation ₹10,000; with a ₹1,000 deductible, the insurer pays ₹29,000 towards parts. If labour is ₹12,000, total payout is about ₹41,000 of a ₹52,000 bill. GST on parts and labour follows the same proportions. Check your policy wording for the exact rates.
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