I never guess. Every answer is quoted from your policy.

Hi, I'm Sarathi. Your AI guide. Show me a policy — one you have, or one you're considering — and I'll pull out exactly what it will, and won't, do for you. Quoted from the document itself.

See what a policy really covers — before you sign.

Upload a policy you have — or one you're considering — and in about a minute see the real exclusions, waiting periods, sub-limits and the clauses that frequently get claims rejected, quoted from the policy itself. Already had a claim rejected? I'll show you where you stand and how to fight it.

What brings you here?

Your policy

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When did this happen? (optional)

So we count your claim deadlines down to the day.

I'll automatically detect whether this is a health or motor policy — no need to choose.

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About a minute English · हिंदी

What you'll get

Every exclusion, cap & waiting periodWhat the policy covers — and what it won't — in plain English. Save as PDF or share, account-free.
A clear claim verdictCovered, partial, or not — quoted from your own policy, never guessed.
What you'll actually get back newEnter your bill — see your real payout vs. the shortfall, each cut traced to a clause.
Your deadlines, counting down newThe windows that matter — intimation, documents, settlement — ticking live.
A ready-to-send claim messageDrafted for you from your situation — just fill in the blanks and send.
If you're denied, how to fight backThe escalation path: your insurer → IRDAI → Ombudsman, with the timelines.

Most policies look fine — until you claim. In India the real damage is quiet: health claims pay out just 71% of claim value (IRDAI 2023-24), and on a motor own-damage claim, parts like tyres and batteries are reimbursed at only ~50% (depreciation). The gaps hide in sub-limits, waiting periods and exclusions you never read.Scan a policy with ClaimSarathi before you commit lakhs over decades — and catch those traps first.

Health: only 71% of claim value paid — IRDAI 2023-24 · Motor: ~50% parts depreciation — India Motor Tariff GR.9

Not legal or financial advice. Verify with your insurer.

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Car insurance claim paid less than the bill? Depreciation, deductible & NCB

When you claim for own damage — your own car repaired after an accident — the insurer rarely pays the whole garage bill. Three standard cuts, all set by the India Motor Tariff, sit between the estimate and your payout.

1. Parts depreciation (IMT GR.9)

Replaced parts are paid at their depreciated value, not their new price. Under IMT GR.9 the standard rates are 50% for rubber, plastic, tyres, batteries and airbags; 30% for fibreglass components; and nil for glass. Metal/other parts depreciate with the vehicle's age. So on a new bumper or a battery, you effectively bear about half the cost.

2. Compulsory deductible (IMT GR.40)

A fixed amount is deducted from every own-damage claim: ₹500 for private cars up to 1500cc, ₹1000 above 1500cc, and ₹50 for two-wheelers (IMT GR.40). If you also chose a voluntary excess for a lower premium, that is deducted on top.

3. Losing your No Claim Bonus (IMT GR.27)

No Claim Bonus rewards claim-free years on own-damage premium — 20%, 25%, 35%, 45%, up to 50% (IMT GR.27). Make an own-damage claim and it's forfeited at your next renewal, dropping back to zero. For a small dent, the NCB you'd lose can cost more than the repair — sometimes it's cheaper not to claim.

General guidance — verify with your policy wording and the current tariff. Sources: India Motor Tariff GR.9, GR.40, GR.27.

Frequently asked

Why isn't my whole repair bill paid on an own-damage claim?

Three tariff cuts apply: parts depreciation (up to 50% on rubber/plastic/tyres/batteries under IMT GR.9), the compulsory deductible (₹500/₹1000/₹50 under GR.40), plus any voluntary excess you chose.

What is the compulsory deductible on a car claim?

Under IMT GR.40 it's ₹500 for private cars up to 1500cc, ₹1000 above 1500cc, and ₹50 for two-wheelers — deducted from every own-damage claim.

Does a small claim cost me my No Claim Bonus?

Yes. Under IMT GR.27, an own-damage claim resets your NCB (which can reach 50%) to zero at the next renewal — so for a minor repair, not claiming is sometimes cheaper.

India Motor Tariff (IMT) GR.9 (parts depreciation), GR.40 (compulsory deductible), GR.27 (No Claim Bonus) · As of 2026-07-02