MOTOR INSURANCE

Zero Depreciation Car Insurance — Claim Without Deductions

Eliminate depreciation deductions on car insurance claims. Get the full repair cost covered with zero dep cover — no wear and tear reductions on parts replacement.

What is Zero Depreciation Car Insurance?

Zero depreciation (also known as bumper-to-bumper or nil depreciation) car insurance is an add-on cover that ensures you receive the full claim amount without any depreciation deduction on parts. In standard claims, the insurer deducts depreciation based on the age of replaced parts — metal, rubber, plastic, glass, fiber, etc.

With zero depreciation cover, you claim 100% of the repair cost. This add-on is particularly valuable for new cars, luxury vehicles, and expensive imported cars where parts replacement costs are high.

Why Choose Zero Depreciation Cover?

Full Claim Amount — No depreciation deduction on any replaced parts
Save on Out-of-Pocket Costs — Without zero dep, you can pay 40-50% of parts cost yourself
Ideal for New Cars — Maximum benefit during first 3-5 years when parts are expensive
Luxury Vehicle Protection — Essential for premium and imported cars with costly parts
Bumper-to-Bumper Cover — All parts covered including rubber, plastic, glass, fiber
Higher Claim Satisfaction — Peace of mind knowing full repair costs are covered

Key Benefits

Zero Deductions

No depreciation deduction on any parts — metal, rubber, plastic, glass, or fiber.

Maximum Savings

Save 40-50% of out-of-pocket costs during claims compared to standard policies.

New Car Protection

Essential for cars less than 5 years old when replacement parts cost the most.

Luxury Coverage

Ideal for premium and imported vehicles where parts are exceptionally expensive.

Full Part Replacement

All replaceable parts are covered at full cost without age-based deductions.

Hassle-Free Claims

Straightforward claims without disputes about depreciation percentages.

Types of Plans Available

Zero Dep (Standard)

Basic zero depreciation add-on. Typically allows 2 claims per year with full parts coverage.

Zero Dep (Unlimited)

Unlimited zero dep claims during the policy year. Best value for high-risk areas and new car owners.

Zero Dep + Add-Ons

Combine zero dep with engine protection, RSA, and return to invoice for ultimate coverage.

Claim Process

Intimate insurer and FMC Insurance Bazaar immediately

Take vehicle to a network garage for cashless repairs

Surveyor assesses damage — zero dep ensures no depreciation deduction

All parts replaced at full cost without any wear-and-tear reduction

Claim settled — you pay only the voluntary deductible (if any)

Documents Required

Vehicle Registration Certificate (RC)
Comprehensive Insurance Policy with Zero Dep
Driving License
Damage Photos
FIR Copy (if required)
Repair Estimate from Garage

Frequently Asked Questions

What is the difference between zero depreciation and regular insurance?

Regular insurance deducts depreciation (10-50%) on replaced parts based on their age and material. Zero depreciation covers the full replacement cost without any deduction — you claim 100% of the repair bill.

How much extra does zero depreciation cost?

Zero depreciation adds approximately 15-20% to your comprehensive premium. For example, if your OD premium is ₹10,000, zero dep may cost ₹1,500-2,000 extra — a small price for potentially saving ₹15,000-50,000 in claims.

Can I add zero depreciation to an old car?

Most insurers offer zero depreciation for cars up to 5 years old. Some extend it to 7 years. For older cars, the add-on may not be available or may have higher premiums.

How many claims can I make with zero dep?

This varies by insurer and plan. Standard zero dep allows 1-2 claims per year. Some insurers offer unlimited zero dep claims at a slightly higher premium.

Is zero depreciation worth it for new cars?

Absolutely. New cars have the most expensive replacement parts, and depreciation deductions are lowest initially. Zero dep is most cost-effective during the first 3 years of car ownership.

Does zero dep cover consumables?

No, zero depreciation covers parts like metal, rubber, plastic, glass, and fiber. Consumables like engine oil, coolant, brake fluid, and filters are excluded from zero dep coverage.

Can I transfer zero dep when changing insurers?

Zero depreciation is an add-on that needs to be purchased fresh with each policy. It does not transfer like NCB. However, your NCB still transfers normally.

When should I NOT buy zero dep?

Zero dep may not be cost-effective for cars older than 5 years, budget vehicles with inexpensive parts, or if you rarely drive and have low accident risk.

Explore More Insurance Products

Get Zero Depreciation Insurance Quote

Add zero depreciation to your comprehensive car insurance. Compare plans from top insurers and save big on claims.

Get Zero Dep Quote

Want Zero Depreciation Coverage?

Our insurance experts are available to help you choose the right plan. Get a free callback now.