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*TP price for less than 75cc two-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

Acko Zero Depreciation Add-on

220 reviews Rate This
    Network Garages2,000+
    Claim Settlement Ratio83.91% in FY20
    Emergency AssistanceAvailable 24/7
    Customers4.5 Crore+
    Third Party CoverAvailable
    Zero Depreciation CoverAvailable

    Acko Zero Depreciation Cover

    The value of bikes reduces over time due to normal wear and tear. Taking the reduction in value into account, the insurer deducts a depreciation charge from the entire claim amount at the time of claim settlement. The Zero Depreciation add-on prevents the insurer from charging any depreciation cost. The Acko comprehensive bike insurance policy offers Zero Depreciation to the policyholders for maximum coverage.

    With the Zero Depreciation cover added to the comprehensive bike insurance policy, the policyholders can avoid the depreciation expense. The cover also provides for repairing and replacing the parts of the insured bike.

    Benefits of Acko Zero Depreciation Add-On Cover

    • Higher claim: With the Zero Depreciation add-on included in the comprehensive bike insurance policy, no depreciation charge gets deducted from the claim money. It allows the policyholders to enjoy the maximum claim amount without facing any loss.
    • Helps saves money: By paying a little extra premium for the Zero Depreciation add-on, the policyholder can get the maximum overage. With this add-on, the insurer will bear the expense of repairing and replacing the depreciated parts of the insured bike.

    Depreciation Rate Applicable on Bike With And Without Zero Depreciation Add-on

    Age of Bike

    Rate of Depreciation Without Zero Depreciation Cover

    Rate of Depreciation With Zero Depreciation Cover

    Under 6 months



    6 months to 1 year



    1-2 years



    2-3 years



    3-4 years



    4-5 years



    5-10 years



    Above 10 years



    Part of Bike

    Rate of Depreciation Without Zero Depreciation

    Rate of Depreciation With Zero Depreciation

    Rubber/nylon/ plastic parts



    Fibre glass parts



    Glass parts



    Factors Affecting Acko Zero Depreciation Cover

    Policyholders enjoy multiple benefits with the Acko Zero Depreciation cover; however, the following conditions should be kept in mind:

    • It is available for bikes with a maximum age of 2 years
    • Policyholders can make only two claims in the entire policy tenure
    • Repair and replacement due to common wear and tear does not get covered
    • Cases of complete damage, mechanical and electrical breakdown are exclusions.

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    • Got to know about how IDV work...

      I came to the InsuranceDekho website to learn how Insured Declared Value or IDV works. I came to know how it w...

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      By Nimrit Kaur
      On: October 21, 2021
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      By Ronit Maitra
      On: October 19, 2021
    • Ease in plan comparison

      Before investing my money, I like to go through all the options available. Thus, before putting my money in Ac...

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      By Navneet Khanna
      On: October 14, 2021
    • Excellent

      I have take my policy with in 5 mins and got a good deal.Within few minutes i got my insurance in my whatsapp ...

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      On: October 13, 2021
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      InsuranceDekho website offers the best digital insurance related services to the policy buyers. I hold an Acko...

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      By Abhishekh Dutt
      On: October 12, 2021
    • Awesome as hell

      Awesome.....just pay quickly in case of any claim..the policy generation was quick and simple .....So i had no...

      Honda CB barpeta
      On: October 10, 2021
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      By Vibhu Chaudhary
      On: October 7, 2021
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      I have Acko third party bike insurance plan for my Mahindra Duro. At the time of looking for add-on covers for...

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      By Akhil Akkinenni
      On: October 5, 2021
    • Informative insurance website

      InsuranceDekho is an amazing website for finding information about all insurance related stuff. The website co...

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      By Manisha Mittal
      On: September 30, 2021
    • Network garages easy to locate

      At the InsuranceDekho website, it has become quite easy to search for network garages all over the nation with...

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      By Akshita Sinha
      On: September 28, 2021

    Insurance Products by Acko General Insurance

    Acko Zero-Depreciation Add-on Cover FAQs

    • Who are best suitable for the Zero Depreciation cover?

      Anyone can choose the Zero Depreciation cover to avoid the depreciation charge as well as the repair and replacement cost. However, the following are best suited for the Zero Depreciation cover:

      • New bike owners
      • New or inexperienced drivers
      • Luxury bike owners
      • Owners/drivers living in the accident-prone zone.
    • How much extra premium will I have to pay for adding the Zero Depreciation to my policy?

      The insurer decides the premium of Zero Depreciation based on the model and condition of the bike. The premium varies from one bike to another. Generally, the premium for Acko Zero Depreciation cover is 15-20% higher than the comprehensive insurance policy.

    • How can I add the Zero Depreciation cover to my insurance policy?

      You can add the Zero Depreciation cover to your policy by visiting the official website of Acko bike insurance or you can dial their toll-free number 1800-266-2256. You can also dial 1860-266-2256, which is chargeable. You can add the Zero Depreciation cover to your comprehensive bike insurance policy at the time of purchase, at the time of the renewal or in the middle of the tenure.

    • Does Zero Depreciation provide cover outside the city limit?

      The Acko Zero Depreciation will only provide coverage inside the predetermined geographical zone. The insurer will not bear the expense of any damage incurred by the insured bike outside the area.

    • Will there be any depreciation charge for tyre replacement if I have the Zero Depreciation cover added to my insurance?

      Repair or replacement of tyres does not get covered under the Acko Zero Depreciation cover. The depreciation charge for tyres with or without Zero Depreciation is 50%.

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    Acko Bike Insurance Contact Details

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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.