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Raheja QBE Zero Depreciation Add-on

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    Network Garages1,300+
    Zero DepreciationAvailable
    Emergency Assistance 24/7 Available
    Third Party CoverAvailable
    AccreditationA+ Rating by Standard and Poor's Insurance Financial Strength
    Claim ProcessDigitally Enabled

    Raheja QBE Zero Depreciation Cover

    Every insurance company takes into consideration the depreciation in the value of the bike over time. The depreciation charges are deducted from the claim amount at the time of claim settlement. This deduction can be prevented by availing the Zero Depreciation add-on along with a standalone own damage and a comprehensive bike insurance policy. Raheja QBE Zero Depreciation add-on ensures that the company would provide the assured sum irrespective of the depreciation factor.

    Raheja QBE Zero Depreciation cover ensures maximum claim amount to the policyholders. It provides the opportunity to avail free of cost repair and replacement of the depreciable parts of the insured’s bike in the network garages.

    Benefits of Raheja QBE Zero Depreciation Add-on Cover

    • Higher claim: Zero Depreciation cover promises a higher claim amount as the insurer does not deduct any depreciation value. The policyholders can avail the maximum claim amount by opting for Zero depreciation cover with a slight increase in the premium.
    • Saves money: Raheja QBE Zero Depreciation add-on cover takes care of the expense of repair and replacement of the depreciable parts of the insured’s bike. Thus, the policyholders can save the money to be spent on the depreciated parts of the insured’s 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



    Fibreglass parts



    Glass parts



    Factors Affecting Raheja QBE Zero Depreciation Cover

    Policyholders enjoy multiple benefits with the Raheja QBE 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 are excluded.
    • In cases of complete damage, mechanical and electrical breakdown the insurer does not provide coverage.

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    1 Raheja Qbe Cashless Garages in India

    Raheja QBE Zero Depreciation Add-on Cover FAQs

    • Who should opt for the Zero Depreciation cover?

      It is always advisable to opt for the Zero Depreciation cover to receive the maximum claim amount. However, it is best suited for the following:

      • New bike owners
      • Inexperienced bike drivers
      • Luxury bike owners
      • Owners living in the accident-prone zones.
    • Do I have to pay extra for adding the Zero Depreciation to my policy?

      Yes, opting for Zero Depreciation cover leads to a slight increase in the premium amount. The rate of increase in the premium is based on the model and condition of the bike.

    • Does Zero Depreciation provide coverage beyond the city limits?

      The Raheja QBE Zero Depreciation add-on will provide coverage within the predetermined geographical zone only. The insurer will not bear the expense of any damage incurred by the insured’s bike outside the area.

    • Do I get free replacement of the metal bike parts under Raheja QBE Zero Depreciation cover?

      Yes, you receive free of cost replacement of the depreciated metal bike parts under Raheja QBE Zero Depreciation cover.

    • Can I avail the Zero Depreciation cover in case of theft of the insured’s bike?

      No, you cannot avail the benefits of the Zero Depreciation cover in case of theft of the insured’s bike.

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