Depreciation Schedule (IMT / IRDAI)
Depreciation Schedule (IMT / IRDAI). The percentage of depreciation deducted on the cost of each replaced part at the time of claim settlement — governed. — DigiSurvey.
What it covers क्या कवर होता है
The percentage of depreciation deducted on the cost of each replaced part at the time of claim settlement — governed by the IRDAI / IMT schedule and the dep-waiver endorsements (Nil Dep, IMT-23) if any.
claim settlement के समय प्रत्येक बदले गए पुर्ज़े की cost पर कटौती का प्रतिशत — IRDAI / IMT schedule और dep-waiver endorsements (Nil Dep, IMT-23) से तय।
Surveyor's verdict / key conditions सर्वेयर की जाँच
Standard schedule — Glass: NIL. Fibre glass components: typically 30% (and NIL under IMT-23). Rubber, nylon, plastic parts, tyres, tubes, batteries: typically 50%. Painting: 50% of material cost. Metal / body parts and other items — follow the age-based scale broadly: not exceeding 6 months — 0%; 6 months to 1 year — 5%; 1-2 yr — 10%; 2-3 yr — 15%; 3-4 yr — 25%; 4-5 yr — 35%; 5-10 yr — 40%; over 10 yr — 50%. If Nil-Dep add-on is in force, depreciation on parts is waived but the compulsory excess and consumables (unless the Consumables add-on is also in force) are still deducted. IMT-23 waives dep on specified parts, mainly fibre-glass → NIL; rubber / plastic / battery stay at 50%.
मानक schedule — Glass: NIL। Fibre glass parts: आमतौर पर 30% (IMT-23 में NIL)। Rubber, nylon, plastic parts, tyre, tube, battery: आमतौर पर 50%। Painting: material cost पर 50%। Metal / body parts और अन्य — उम्र-आधारित scale: 6 महीने तक — 0%; 6 महीने से 1 साल — 5%; 1-2 वर्ष — 10%; 2-3 — 15%; 3-4 — 25%; 4-5 — 35%; 5-10 — 40%; 10 से अधिक — 50%। Nil-Dep add-on हो तो parts पर depreciation माफ़ पर compulsory excess और consumables (जब तक Consumables add-on भी न हो) फिर भी कटेंगे। IMT-23 निर्दिष्ट parts (मुख्यतः fibre-glass) पर depreciation NIL करता है; rubber/plastic/battery 50% पर।
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