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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What's happening?

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 total loss claim: how IDV decides your payout

For a badly damaged or stolen vehicle, the repair estimate stops mattering — the claim is settled on the Insured's Declared Value (IDV). Understanding IDV is how you judge whether a total-loss offer is fair.

What IDV is

IDV is the fixed sum insured for your own vehicle against damage or theft. Under IMT GR.8 it's the manufacturer's listed selling price of the model, reduced by an age-based depreciation slab — ranging from 5% for a nearly new vehicle up to 50% for older ones. It's the ceiling on any own-damage or theft payout, so a too-low IDV quietly caps your cover.

Constructive Total Loss (CTL)

You don't need the vehicle to be physically destroyed. Under IMT GR.8, when the estimated cost of retrieval and repair exceeds 75% of the IDV, the insurer can declare a Constructive Total Loss and settle at IDV instead of repairing.

What you actually receive

On a total loss, the payout is the IDV less the salvage (wreck) value if you keep the wreck, and the compulsory deductible still applies. Theft is settled the same way — as a total loss at IDV — once the vehicle is untraced and the claim is documented. If the insurer disposes of the salvage, you should receive the IDV without the salvage deduction.

General guidance — verify with your policy wording and the current tariff. Source: India Motor Tariff GR.8.

Frequently asked

How is my car's IDV decided?

Under IMT GR.8, IDV is the model's listed selling price minus an age-based depreciation slab (from 5% for a nearly new vehicle up to 50% for older ones). It's the maximum any own-damage or theft claim can pay.

When is my car treated as a total loss?

Under IMT GR.8, when the estimated retrieval and repair cost exceeds 75% of the IDV, the insurer can declare a Constructive Total Loss and pay the IDV instead of repairing.

Do I get the full IDV on a total loss?

You get the IDV less the salvage value if you keep the wreck, and the compulsory deductible still applies. If the insurer takes the salvage, you should get the IDV without that deduction.

India Motor Tariff (IMT) GR.8 (IDV, depreciation slabs, constructive total loss & salvage) · As of 2026-07-02