Underinsurance (Average Clause) Claim Impact Calculator
Estimate underinsurance percentage, deduction and final claim payable.
For awareness purposes only — actual claims depend on policy terms.
You may also be required to bear the policy deductible / excess as per policy terms.
This calculator helps you understand how the Average Clause (Underinsurance Clause) may affect your insurance claim.
Enter your Sum Insured, actual Replacement Value, repair cost and salvage value to estimate:
- Whether you are underinsured
- The percentage and amount of underinsurance
- Net loss after salvage
- Deduction due to underinsurance
- Final claim amount payable (before excess / deductible)
This tool is for guidance and awareness only. Actual claim settlement depends on policy wording and insurer assessment.
