Vinit,

You will need to pay for the following costs which insurance will not cover:

  • In case of replacement of parts, depreciation is to be born by you. Depreciation of rubber/plastic parts, battery, tyre etc. is charged at the rate of 50%. Depreciation for Metal parts/ electrical parts depends upon the age of car as mentioned in your insurance policy.
  • Compulsory excess of Rs. 500/- or RS. 1000/- as mentioned in your policy
  • Any extra job done (i.e. not related to the accident) by the workshop on your instructions, e.g. maintenance-related servicing.
  • Cost of towing in excess of Rs. 1500 will be borne by you.


If your claim is cashless than the cost payable by insurance co. will not be charged to you and will be settled directly between the workshop and the insurance company.