Underinsurance Calculator

See your shortfall vs true asset value

Underinsurance Calculator
See your shortfall vs true asset value
ℹ️ About this tool

Computes your underinsurance and the average-clause impact on claims (with a worked example) and the sum insured you should carry. Use it to avoid a proportionately reduced claim. To set property sum insured on the right basis, use the Property Sum-Insured Adequacy tool.

📄 Free guide — what this is, how to use it & cautions

Fill in each detail below as completely and accurately as you can — the more you provide, the more precise and ready-to-use your output will be. * marks required fields.

The insured assets and their true replacement/reinstatement value.
The sum insured on the policy today.

Delivery & Payment Details

Used for your receipt. Your result appears on-screen and is downloadable as Word & PDF.

Order Summary

Underinsurance Calculator₹83.90
GST 18%₹15.10
Total₹99.00

🔒 Secured by Razorpay · All outputs are AI-generated guidance — verify with qualified professionals for binding decisions.