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When did you buy your Two wheeler?

Have you made a insurance claim in the previous year?

Royal Sundaram Zero Depreciation Cover

Over time bikes suffer a loss in their value like any other asset. This loss in value is known as depreciation. The insurance providers take this loss into account and deduct the depreciation charge from the claim amount at the time of claim settlement. By default, a standard comprehensive plan or Standalone own-damage plan fails to provide coverage for the depreciation charge but a Zero Depreciation cover helps get rid of this deduction.

The Royal Sundaram Zero Depreciation add-on cover allows the policyholders to get rid of the depreciation charge. Moreover, it bears the expense of repairing and replacing depreciated bike parts. Thus, the policyholders get the chance of availing the entire claim amount without spending losing any amount as depreciation charge.

Benefits of Royal Sundaram Zero Depreciation Add-On Cover

  • Higher claim: The insurer does not charge any amount from the claim amount for depreciation with the Zero Depreciation added to the comprehensive policy. Thus, it allows the policyholders to claim the entire amount at the time of claim settlement.
  • Helps in saving money: As the replacement of depreciated bike parts is covered under the zero depreciation insurance plan, it helps policyholders to save the money which they could have spent on replacement of bike parts.

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 Royal Sundaram Zero Depreciation Cover

The Royal Sundaram Zero Depreciation cover is highly beneficial; however, policyholders must keep the following conditions in mind:

  • Normal wear and tear is excluded from this cover
  • This add-on is not applicable in case of complete loss or damage
  • Bikes with the maximum age of 2 years can avail the Zero Depreciation Cover
  • Policyholders can claim the Zero Depreciation only twice during the entire tenure.

Must Read Articles before buying Royal Sundaram Bike Insurance

Royal Sundaram Bike Insurance User Reviews

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What users are saying
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  • Exceptional Service & Team Sup...

    I recently purchased Royal Sundaram Bike Insurance and I received exceptional customer support from the Insurancedekho team. I recommend everyone to purchase from them.

    By Vaishnavi bajaj
    On: March 5, 2024
  • Transparent Claim Settlement

    The transparency in InsuranceDekho's claim settlement is commendable. I always knew what was happening with my claim of the Royal Sundaram Bike Insurance Policy for my Suzuki bike, and the communication from their team was clear and concise.

    By Ankit Lokhande
    On: November 24, 2023
  • Customizable Comprehensive Cov...

    InsuranceDekho's comprehensive coverage that comes with the Royal Sundaram Bike Insurance Policy is highly customizable. It gives me the freedom to choose the level of protection I need for my Triumph bike.

    By Shivam Bhardwaj
    On: September 27, 2023
  • Prompt Customer Support

    I had a few questions about the terms of my third-party car insurance for my BMW bike, and I reached out to InsuranceDekho's customer support. To my surprise, they were incredibly responsive and provided clear explanations for all my queries about the Royal Sundaram Bike Insurance Policy. It's reassuring to know that help is just a phone call away.

    By Amit Khurana
    On: September 25, 2023
  • User-Friendly Cashless Garage ...

    Happy to have secured my Jawa bike under the Royal Sundaram Bike Insurance Policy. InsuranceDekho's online tool for finding cashless garages is user-friendly and efficient. It helped me quickly locate a garage nearby when I needed it the most.

    By Pratuskh Thankur
    On: September 21, 2023
  • Transparent Terms and Conditio...

    I appreciate the transparency of InsuranceDekho's own damage policy terms and conditions for the Royal Sundaram Bike Insurance Policy. It's easy to understand what's covered for my Triumph bike.

    By Gurpreet Sandhu
    On: September 14, 2023
  • Prompt Renewal Support

    Whenever I have questions about the renewal of my Royal Sundaram Bike Insurance Policy, InsuranceDekho's support team is prompt in providing assistance. Their guidance ensures a smooth and worry-free renewal experience for my BMW bike.

    By Balbir Singh
    On: September 12, 2023
  • Excellent Coverage

    With InsuranceDekho's comprehensive coverage, I get excellent protection for both own damage and third-party liability with the Royal Sundaram Bike Insurance Policy. It's a well-rounded policy and totally perfect for my Hero bike.

    By Kunal Kumar
    On: September 8, 2023
  • Expertise and Professionalism

    The mechanics at InsuranceDekho's Cashless Garages demonstrate exceptional expertise and professionalism. Their attention to detail and commitment to customer satisfaction are truly commendable. I am glad that I bought this added benefit along with the Royal Sundaram Bike Insurance Policy to safeguard my BMW bike.

    By Vasydev Kukreja
    On: September 4, 2023
  • Reliable Partner for Car Prote...

    InsuranceDekho has proven to be a reliable partner in protecting my Aprilia bike. Their own damage insurance which I added to my Royal Sundaram Bike Insurance Policy offers the coverage I need.

    By Manish Kadakia
    On: August 28, 2023

Royal Sundaram Zero-Depreciation Add-on Cover FAQs

  • Does Zero Depreciation provide cover for any damage outside the geographical zone?

    Zero Depreciation cover will provide coverage only in the geographical area and not for any incident occurred outside the area. The Royal Sundaram comprehensive bike insurance policy with or without the Zero Depreciation add-on has a pre-decided geographical limitation for each policyholder.

  • Do I have to renew the Zero Depreciation cover each time I renew my policy?

    Yes, you will have to renew the Zero Depreciation cover each time you renew your comprehensive policy. However, you can pay the complete premium of your policy along with the Zero Depreciation at the time of purchase. It will free you from the hassle of renewal.

  • Who should opt for the Zero Depreciation Cover?

    Any bike owner should opt for the Zero Depreciation add-on to avoid the depreciation charge and the expense of repairing or replacing bike parts. However, it is best suited for luxury bike owners and new drivers.

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

    You can add the Zero Depreciation cover to your policy in the following ways

    • Visit their official website
    • Dial their toll-free number 1860 425 0000
    • Visit the nearest branch

    You can add this cover to your comprehensive bike insurance policy at the time of purchase, renewal or in the middle of the tenure.

  • Does the Zero Depreciation cover provide for plastic parts of bikes?

    Yes, the Zero Depreciation provides coverage for the plastic parts of the insured bike. The rate of depreciation for plastic parts without the Zero Depreciation charge is 50%. But with the Zero Depreciation cover, the charges become nil.

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Royal Sundaram 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.