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Dhfl Zero Depreciation Add-on

327 reviews Rate This
    Network Garages1,100+
    Claim Settlement Ratio76.20%
    Policies Issued (FY-19)4.1 Lakh+
    Zero DepreciationAvailable
    Emergency Assistance24/7
    Third Party CoverAvailable

    DHFL Zero Depreciation Add-On

    The value of cars depreciate with time. This impacts the premium cost and claim amount of their insurance. With default depreciation, a car's insurance premium becomes higher and claim amount becomes lesser as both are computed basis the value of the car. Therefore, it is imperative to opt for an add-on cover like Zero Depreciation by DHFL General Insurance Company.

    The Zero Depreciation add-on coverage is applied on the Comprehensive/Standalone Own Damage car insurance policy. It ensures that policy claims are calculated without deducting the depreciation on your car and its parts. Otherwise, a standard comprehensive/Standalone Own Damage car insurance policy without this add-on cover provides the claim amount based on the present value of the car computed after depreciation, which is lower due to depreciation. The coverage is available on paying an additional premium.

    Benefits of DHFL Zero Depreciation Cover

    Customers who pay for this add-on coverage are eligible to get the following benefits:

    • Claims for replacement or repair of the car’s depreciated parts
    • No depreciation will be applicable except tyres, tubes and batteries.

    Zero Depreciation Insurance v/s Normal Insurance

    Age of car

    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 car

    Rate of Depreciation Without Zero Depreciation

    Rate of Depreciation With Zero Depreciation

    Rubber/nylon/ plastic parts, tires and tubes, batteries, paint work and airbags



    Fibre glass parts



    Glass parts



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    DHFL Zero Depreciation Cover FAQs

    • What factors affect the premium of zero depreciation cover?

      Here are the factors that can affect the premium of zero depreciation cover:

      • The age of the car
      • The model of the car
      • Registered location of the car, etc.
    • Can I buy any other add-on cover with zero depreciation add-on cover?

      Yes, you can buy as many add-on covers as you want to with zero depreciation add-on cover.

    • What parts of my car are not included under the DHFL zero depreciation cover?

      This add-on coverage compensates the depreciation of every part of the car, except tyres, tubes and batteries.

    • Do I need to pay for any additional premium to get zero depreciation cover?

      You will have to pay for a bit extra premium in addition to the basic premium amount to get this zero depreciation add-on cover.

    • When can I get this add-on added in my comprehensive car insurance policy?

      You can add this zero depreciation add-on cover to your comprehensive/standalone owner at the time of purchase and renewal of your policy.

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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.