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IMT-21 — Dep. Waiver on Lamps / Mudguards / Bonnet Side-Plates / Bumper / Windshield

IMT-21 — Dep. Waiver on Lamps / Mudguards / Bonnet Side-Plates / Bumper / Windshield. An endorsement waiving depreciation on a NAMED, LIMITED set of parts. — DigiSurvey.

What it covers क्या कवर होता है

An endorsement waiving depreciation on a NAMED, LIMITED set of parts — lamp assemblies, mudguards, bonnet side-plates, bumpers, windshields — commonly damaged in low-speed accidents. Covers only these items; other parts remain under the standard scale.

एक endorsement जो एक सीमित, named parts के set पर depreciation माफ़ करता है — lamp assemblies, mudguards, bonnet side-plates, bumpers, windshields — low-speed accidents में अक्सर damaged। सिर्फ़ ये items cover; बाकी parts standard scale पर।

Policy wording sample"IMT-21 — Depreciation Waiver on Specified Items. It is hereby agreed and declared that no depreciation shall be deducted on the following items in the event of their replacement: lamp assemblies, mudguards, bonnet side-plates, bumpers and windshield, subject to the terms, conditions and exclusions of this policy."

Surveyor's verdict / key conditions सर्वेयर की जाँच

Verdict

For a minor claim with only these parts damaged: IMT-21 waives dep on these specific items. If the claim also has other items (seats, dashboard, airbags), apply standard dep on those. Many surveyors confuse IMT-21 with IMT-23 — IMT-21 is narrower.

सिर्फ़ इन parts वाली minor claim में — IMT-21 इन specific items पर dep माफ़ करता है। अगर claim में अन्य items (seats, dashboard, airbags) भी हैं, उन पर standard dep लगाएँ। कई surveyors IMT-21 को IMT-23 से confuse करते हैं — IMT-21 narrower है।

Reference material — verify figures against the current IRDAI master circular and quote the actual policy wording in the report.

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