1) In most cases for mobile insurance, a  surveyor assesses the depreciation – and the verdict is based on their opinion! This means that your depreciation isn’t set in stone, and it’s based on the assessor’s judgement. 2) There is a pre-defined ‘fixed slab’ of depreciation based on the age of your product (that’s how we do things at Digit!) Since your depreciation doesn’t depend on a surveyor’s assessment, there’s less to-and-fro, making the process simple, clear and fast.