• Zero Depreciation Car Insurance

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    What Is Zero Depreciation Car Insurance Cover?

    Zero depreciation is an additional benefit (add-on) that every car owner can enjoy at the cost of paying an extra/higher premium. Zero depreciation is usually not included in the standard/comprehensive no-frills insurance policy.

    At the time of insurance claims, every insurance company always calculates and applies the depreciation rate to decide the amount payable (with reference to the damaged part of the car) for settling the claim. The difference in cost between the market price of the new part and depreciated part needs to be shelled out by the insured/car owner.

    With zero depreciation add-on, when you file an insurance claim due to damage/loss to your car, the insurer covers the entire cost without accounting for/counting in the vehicle’s depreciation. Zero deprecation is an attractive prospect for customers who want a smooth claim settlement in the future, along with peace of mind. For a brand new car, buying this add-on is definitely a worthwhile investment as long as paying the additional premium doesn’t burn a hole in the owner’s pocket.

    What Is Depreciation Rate In Car Insurance?

    Though the depreciation rates taken into account vary from one insurance company to another, there are some standard policies followed by every company. Some parts of the car age faster than the others. Hence the depreciation value is higher for them. Depending on these factors, the insurer applies different depreciation rates for different parts of the car.

    Rubber/plastic parts, tyres/tubes, battery etc. are susceptible to maximum amount of wear and tear. Hence, the depreciation rates applied on them are usually higher compared to other parts like fibre glass, etc. The depreciation of metallic parts are based on the age of the vehicle.

    The Insurance Regulatory and Development Authority (IRDA) has set some guidelines on the depreciation of car parts:

    Plastic, nylon, and rubber parts 50% depreciation is deducted
    Car batteries 50% depreciation is deducted
    Fibreglass components 30% depreciation is deducted
    Wooden and metallic components The depreciation is calculated based on the age of the vehicle. This could be 5% at the end of the first year, 10% at the end of the second year, and so on.

    Some Important Aspects Of Zero Depreciation:

    • Applicable only on new cars

    Usually, only new cars can avail the zero depreciation add-on. A certain age limit is given by the insurer, with regards to the same. If your car is older than the specified limit, it is not eligible to enjoy this add-on.

    • Compulsory excess

    The coverage offered is not 100%, always. Some insurers don’t cover normal wear and tear and mechanical breakdown under this add-on. Every customer who has taken a zero depreciation has to pay a mandatory policy excess. This is known as compulsory excess.

    • Restriction on number of claims

    A zero depreciation add-on cover may limit the number of claims that can be made annually. Again, this may vary from one insurance company to another.

    Your car is vulnerable to a lot of threats, damages and unforeseen circumstances. A comprehensive car insurance policy protects your car from every possible danger. Strengthen this protection by choosing from a wide range of add-on covers. Give your vehicle the attention and care it deserves by choosing the right car insurance policy and add-on covers.

    Differences Between Zero Depreciation And Comprehensive Car Insurance Policy:

    Comprehensive Car Insurance Policy Zero Depreciation Car Insurance
    Is the all-encompassing car insurance policy inclusive of add-on covers and protection against financial liabilities arising from a number of common, everyday scenarios. This insurance policy protects the owner/driver of the vehicle against the depreciation factor due to normal wear and tear that impacts the settlement value in case of claims.
    Usually includes add-on covers to boost the overall effectiveness of the policy (Eg- Personal accident cover, Hospital cash, Key replacement cover, etc.) Is usually offered as an optional add-on cover alongside the comprehensive car insurance policy. However, customers can also choose to opt for this as a standalone policy.
    Since many scenarios are covered, the applicable premium amount is expected to be higher, however it is lower as compared to Zero Depreciation policy. Since this policy provides protection against ONLY the depreciation factor, the applicable premium amount is expected to be low. However, it is higher when compared to the normal policy.
    Ideal for those who are looking for complete protection for their cherished vehicle and are conscious about the budget involved. Ideal for those who deem themselves confident drivers and could do with a little less insurance. Also, people can opt for this policy to stop losing money due to the depreciation factor when raising a claim.

    Benefits Of Zero Depreciation Car Insurance:

    The following points illustrate the benefits of zero depreciation car insurance, from the context of an average, everyday motorist-

    • When raising a claim, the insured is assured of 100% settlement of the cost of the vehicle’s repairs, without taking into consideration the depreciation factor that arises from normal wear and tear.
    • The normal, comprehensive car insurance policy doesn’t account for damages incurred by the glass, plastic, nylon, fibre, etc. parts of the vehicle. However, zero depreciation policy pays for all of these.
    • The inherent cost of subscribing to the zero depreciation car insurance policy might be a tad more than the conventional policy, however, this gap is usually made up for when the insured raises a claim after a particularly nasty accident.
    • Assures 100% mental peace and satisfaction to the insured, in the knowledge that he/she is unlikely to lose any money when tending to their damaged vehicle. Technically, they are repairing their accident battered vehicle for free.

    Is Zero Depreciation Insurance Promoting Careless Driving?

    Considering the watertight protection offered by the Zero Depreciation Insurance policy in the case of a claim, many subscribers may feel a sense of invincibility in the knowledge that with this cover, all their losses will be recovered without losing anything to the depreciation factor. This begs the question- Is zero depreciation insurance policy promoting careless driving?

    Yes No
    Customers’ attitude towards expensive auto repairs is changing, as everything can be set right at little to no personal expense. Customers are still concerned about the No Claim Bonus (NCB). They lose this lucrative benefit when they raise a claim.
    Customers use these trips to the garage to refill up on, and set right nags that may not require servicing. Every inconsequential problem with the vehicle is likely to send it packing to the garage. Most people still consider Zero Depreciation insurance to be an expensive indulgence. If they have it, they are more likely to utilise it in extreme cases of damage incurred by their vehicle.
    Zero Depreciation Insurance is usually not available for the entire lifetime of the vehicle. Thus, individuals might be tempted to avail it before the time runs out on them. For the unsure driver, Zero Depreciation Insurance acts like a confidence booster. It is bound to take away the fear of incurring massive repair bills if damage were to happen, and help the subscriber prepare better for a rainy day.

    Thus, this question has no clear cut answer. How the policy will be used and if it breeds careless driving habits will ultimately depend on the individual driver. However, recent instances point to car insurance companies paying particular attention to this disruption inducing policy and have denied its availability to specific vehicle makes that have been known to be particularly prone to accidents and damage.

    Who Should Purchase The Zero Depreciation Cover?

    If you are the owner of a new car, buying a zero depreciation rider to enhance its insurance coverage is a good idea. The rider also suits new drivers who are more prone to damaging their vehicles. However, it should be noted that even the most experienced of drivers can be involved in an accident that was the fault of the third-party. In this situation also, a zero depreciation cover would come to the rescue of the driver.

    So, if you own a new car and do not mind paying the extra premium for this add-on cover, you should go for it.

    What Is The Additional Premium Payable For A Zero Depreciation Cover?

    Since a zero depreciation cover offers you the entire claim amount without considering depreciation, it will certainly be priced quite high. The general understanding is that a car insurance policy with zero depreciation add-on cover will cost around 15%-20% more than the base policy alone.

    However, the actual cost varies on the basis of the policyholder’s driving history and the regulations set by the insurance company.

    What Are Your Savings In A Year When You Have A Zero Depreciation Cover?

    Let us consider an example to understand how the zero depreciation cover works in the event of a claim. Say, the cost of your car is Rs.8 lakh. Suppose the cost of damage to its parts and depreciation is as shown below:

    Part of the car Cost of damage (Rs.) Percentage depreciation Cost of depreciation (Rs.)
    Metal part 10,000 5% or 0.05 500
    Fibreglass part 2,000 30% or 0.3 600
    Plastic part 10,000 50% or 0.5 5,000
    Windscreen 2,000 0 0
    Labour 5,000 0 0
    Total expenses 29,000 - 6,100

    So, if you have a comprehensive car insurance policy without the nil depreciation cover, you will have to pay Rs.6,100 for the repairs.

    Now consider a scenario in which you have the zero depreciation cover attached to your base auto insurance policy. The total expenses that you will be bearing in a year are as detailed in the table below:

    Cost of auto insurance and claim amount Amount without zero depreciation cover (Rs.) Amount with zero depreciation cover (Rs.)
    Basic premium (I) 14,000 14,000
    Cost of zero depreciation add-on (II) 0 3,000
    Total cost of the policy (A) = (I) + (II) 14,000 17,000
    Deductible for each claim raised (III) 3,000 3,000
    Cost of repair of the car, based on the table above (IV) 29,000 29,000
    Cost of depreciation borne by the policyholder, based on the table above (V) 6,100 0
    Total expenses borne by the policyholder (B) = (A) + (III) + (V) 23,100 20,000
    Policyholder’s savings (C) = (IV) - (B) 5,900 9,000

    The above table indicates that the policyholder can get significant savings even if he/she raises only one claim in a year.

    Exclusions In Zero Depreciation Plans:

    Zero depreciation plans, also referred to as bumper to bumper insurance, have some exclusions as described below:

    • The plan is not offered to cars that are more than 5 years old.
    • The zero depreciation cover is not provided to vehicles that have clocked more than a specified number of kilometres.
    • Nil depreciation cover usually has limitations on the maximum number of claims that can be raised in a year. This is implemented by insurers to prevent policyholders from raising claims for every small dent or damage. The limits vary between insurers, so you should check the policy documentation to understand the specifics for your plan.
    • A zero depreciation cover does not protect the car from damage to its engine through oil leakage or water ingression.
    • Standard wear and tear to cars and car parts such as clutch plates, tyres, bearings, etc. are not covered under nil depreciation insurance.
    • Other exclusions from bumper to bumper insurance include mechanical breakdowns (that do not result in an accident) and consequential damages.
    • Cost of oil, such as gear oil, clutch oil, brake oil, engine oil, coolant, etc. are not covered.
    • Compulsory deductibles are not covered under a zero depreciation plan. At the time of a claim, the amount corresponding to compulsory deductibles will have to be borne by the policyholder.
    • A private car being used for commercial needs is not included in the coverage of the plan.
    • The driver not carrying a valid driving license is also not covered.
    • The driver being under the influence of drugs or alcohol is excluded from coverage.
    • If the claim is not made within the stipulated timeframe, it will not stand valid.
    • The driver using the car for malicious purposes is also not covered.

    When Is A Zero Depreciation Claim Null And Void?

    When a claim is raised against a zero depreciation add-on cover, it will not be honoured by the insurance company if any of the exclusion criteria are met. It is important that the policyholder furnishes accurate information with justifying documents when raising the claim to prevent it from being invalidated.

    Shortcomings Of Nil Depreciation Cover:

    • One of the main disadvantages of buying bumper to bumper insurance is the cost factor. If you are looking to insure your car at a minimal cost, then this is not an option.
    • Zero depreciation cover also has a considerable number of exclusions. The basic exclusions involved in comprehensive car insurance are valid here as well.
    • Zero depreciation cover is not offered to vehicles that are more than 5 years old.
    • There are limits on the maximum number of claims that can be raised under a zero depreciation cover in a year.

    Does It Make Sense To Go For This Cover?

    If you are not very particular about containing your car insurance expenses to a certain limit, then you should go for a zero depreciation cover. This will enhance the coverage of your policy to a great extent and offer maximum protection for your car.

    • The zero depreciation cover is very useful for owners of new cars.
    • Also, if you are not an experienced driver, it makes sense to buy this coverage.
    • Owners of high-end cars with expensive parts can also benefit from this insurance cover.
    • If you live or park your car in an area where the incidence of car thefts or other such crimes are high, you should protect your vehicle with bumper to bumper insurance.
    • If you are conscious about small dents or bumps that may surface on the body of your car, you should consider taking zero depreciation insurance.

    Zero Depreciation Car Insurance FAQs:

    1. What factors affect the premium of a nil depreciation cover?

      The premium you pay towards a zero depreciation add-on cover is based on the following factors:

      • Age of the vehicle
      • Model of the car
      • The location of usage and parking of the car
    2. Which insurers in India offer zero depreciation insurance?

      Most of the Indian insurance companies offer zero depreciation cover as an add-on policy. This includes:

      • Bajaj Allianz
      • Bharti AXA
      • Tata AIG (refers to the add-on as depreciation reimbursement cover)
      • Royal Sundaram (refers to the add-on as depreciation waiver cover)
    3. Will the zero depreciation add-on policy offer coverage for theft of the car’s tyres?

      This depends upon the policy wordings. Usually insurers offer this cover only for the repair or replacement of tyres/tubes due to accidental damage.

    4. I have a restricted cover policy with my insurance company. Can I avail the nil depreciation add-on insurance for my car?

      No, add-on covers can be availed only with a comprehensive package policy.

    5. I have heard that insurers offer add-ons as bundles. Can I choose only the zero depreciation add-on?

      Insurance companies offer add-on covers in bundles so that a customer’s policy coverage is optimised. However you can request for only the zero depreciation add-on cover, if that is what you specifically require.

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    Zero Depreciation Car Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • Bajaj Allianz Car Insurance
      "BETTER BUT NOT BEST"
      0.5 5.0/5 "Blown Away!"
      I am holding since 2 years. It is a paperless approval. The premium is 12k and it is best one that i am getting the premium. They gave the 0 dep. The premium is low and the IDV value is high. I had a claim experience with my car insurance which is a good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 23, 2018
    • Royal Sundaram Car Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I have insured my car with the Royal sundaram general insurance company. I would like to say that the customer service is good one too and the response is very positive with them till now, also I dont have any issues with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • ICICI Lombard Car Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I do have the four wheeler insurance policy with the ICICI Lombard general insurance company and I have not made any claims with them till now. Premium coverage value is fine with the ICICI Lombard general insurance company.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 23, 2018
    • Bajaj Allianz Car Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      My car is insured with the Bajaj Allianz Car insurance. I pay a premium of 5000 Per year. I don't have claim experience. My agent collects the premium in the form of cheque.Overall ti has been a good experience so far with them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2018
    • HDFC Ergo Car Insurance
      "Good Service so far"
      0.5 5.0/5 "Blown Away!"
      I've been using the HDFC Ergo Car insurance for a while now. I pay a premium of 19000 per year. I never had any claim experience with the policy. Overall it has been a smooth experience with the policy so far. I'll have to wait and see how they respond to my request in future.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 20, 2018
    • New India Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've two cars and one of my car is insured with the New India Assurance. It has got No additional features, I never had any claim experience with the policy. I never faced any issues with their services too. So far it has been a good experience with the policy and I'll have to wait and see how they respond to my claims in future.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 20, 2018
    • National Insurance Car Insurance
      "Good Service so far"
      0.5 5.0/5 "Blown Away!"
      I've bee using the National Insurance Car insurance policy for a while now. My Swift is insured with the National Insurance., I am paying 12000 per year and never had any claim experience with the policy. The policy also offers bumper to bumper coverage. So far it has been a good experience with them and no troubles yet.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 20, 2018
    • New India Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      Got my Car insurance from new India assurance , i have chosen this policy mainly because of the budget .It has good policy coverage and benefits. Customer service and response is good regarding documentation . I came to know through on-line website about this policy .I pay annually through on-line banking.overall am satisfied with this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 19, 2018
    • ICICI Lombard Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I got Car insurance from Icici Lombard general insurance through tata finance As The premium amount is nominal one am satisfied with it , as it has low premium amount with cashless garages comprehensive cover with bumper to bumper coverage .Customer service and response is good . I pay it annual through on line banking
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 18, 2018
    • Royal Sundaram Car Insurance
      "Pathetic policy"
      0.5 3.0/5 "Satisfactory"
      I had a pathetic claim experience with Royal sundaram car insurance policy. Process was very slow. Finally i could not claim my policy. They are very confusing terms and condition for their policy. In their own services, the process is very slow. After i had many struggles, i have claimed the policy. Even though i never got the claim what i expected. For the first premium i have paid Rs.19000. I have been using this policy for 2 years. Cashless carriage also very less.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 18, 2018
    • Oriental Insurance Car Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My car is insured with the Oriental Insurance company. I pay a premium of 20000 Per year, they also offered me a very good IDV value of 291000. I do not have any claim experience with the policy and I make payments at the branches. SO far is has been a good experience in terms of features and benefits.
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      , bangalore
      Reviewed on Jun 16, 2018
    • Chola Ms Car Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My car is insured with the Cholamandalam Insurance company. They offers Bumper to Bumper coverage for my card and they offered me a fair IDV value. I pay a premium of 24000 per year. I claimed this policy once and they processed a claim 23000 and deducted almost 2400. For such a small claim the charges are very high as far as I am concerned.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance and i pay a premium of Rs 9900 for this insurance. They cover only thirds party damages in this insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 13, 2018
    • ICICI Lombard Car Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My car is insured with the ICICI Lombard general Insurance. I pay a premium of 5000 Per year, The IDV value is good. There is cashless garage facility. Overall I am happy with the features and benefits of the policy even though I never had any claim experience with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 12, 2018
    • New India Car Insurance
      "Okay "
      0.5 3.0/5 "Satisfactory"
      I have insured my four wheeler with New India Assurance company. Customer service is okay one with them. Response is also okay one with the New India Assurance company. Plan benefits are fine one with the New India Assurance company.
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      , new delhi
      Reviewed on Jun 12, 2018
    • Reliance General Car Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a car isnurance policy with the Reliance General Insurance Company . I pay a premium of 10000 Per year . The IDV value is fair. I do not have any claim experience with the policy and they offers cashless garage facility as a part of this policy.
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      , hyderabad
      Reviewed on Jun 11, 2018
    • New India Car Insurance
      "Good discount "
      0.5 5.0/5 "Blown Away!"
      Recently I took a insurance policy for my car .The service provided by the company is good and the discount which we can avail is high which is a great initiative and helpful for the customers .I recommend to take policy with new India .thank you
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jun 09, 2018
    • Royal Sundaram Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with Sundaram general insurance from last 1 year, i am happy with the coverage value of this insurance policy. My claim experience was good with this insurance and they gave road side assistance for this insurance. A premium of Rs 14500 has to be paid for this insurance and the coverage value is good.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jun 08, 2018
    • National Insurance Car Insurance
      "Best"
      0.5 4.0/5 "Great!"
      I have insured my car with the National Insurance company. I would like to say that the customer service is good one with them and the premium value is also good too. Coverage value is nominal one for me with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 08, 2018
    • Iffco Tokio Car Insurance
      "Okay to buy"
      0.5 3.0/5 "Satisfactory"
      I had four wheeler insurance policy with the IFFCO TOKIO General insurance company. I felt like that the customer service is good one and the response is also better one too. Everything is better one with the IFFCO TOKIO General insurance company.
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      , coimbatore
      Reviewed on Jun 07, 2018
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