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Digit Zero Depreciation Add-on

Digit Car Insurance

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Digit Zero Depreciation Add-on

Like every other commodity, your car is also subject to depreciation. This devaluation due to depreciation affects the market value of the vehicle as well as diminishes the amount which you receive at the time of an insurance claim settlement.

However, by purchasing a zero depreciation add-on cover from Digit General Insurance with a comprehensive car insurance policy you can shift your liability of bearing the cost of depreciation of your car and its parts to the insurer. The Digit zero depreciation cover allows you to get full claim amount without any deduction for depreciation of your car.

Benefits Of Digit Zero Depreciation Insurance

Higher Claim Amounts: Zero depreciation add-on cover bundled along with the package car insurance policy allows insured policyholders to enjoy higher claim amounts as no depreciation cost is deducted from them.

Multiplicity of Claims: You can claim the benefits of the Digit zero depreciation cover up to 2 claims during the tenure of the policy.

Zero Depreciation vs Normal Insurance

Age of Car

Rate of Depreciation Without Zero Depreciation

Rate of Depreciation With Zero Depreciation

Under 6 months Nil 0%
6 months to 1 year 5% 0%
1-2 years 10% 0%
2-3 years 15% 0%
3-4 years 25% 0%
4-5 years 35% 0%
5-10 years 40% 0%
Above 10 years 50% 0%

Part of Car

Rate of Depreciation Without Zero Depreciation

Rate of Depreciation With Zero Depreciation

Paint work /Rubber/nylon/ plastic parts, tires and tubes, batteries and airbags parts50%0%
Fibre glass parts30%0%
Glass partsNil0%

Digit Zero Depreciation Add-on Cover Conditions

  • A maximum of 2 claims is admissible during the policy period.
  • It is not applicable for theft, CTL and TL of the insured vehicle.
  • It is not available for cars older than 5

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Digit Zero Depreciation Cover FAQs

  • What is not covered by the Zero Depreciation Add-on?

    Under the Digit zero depreciation add-on, claims for car tyres, battery lubricants are covered at 50% and not at 100% like all the other car parts. Also, uninformed modifications to the vehicle are not covered by Zero Depreciation Add-on cover.

  • What factors should I consider before opting for a zero depreciation add-on cover?

    You should consider the following factors at the time of opting a zero depreciation add-on cover:

    • Age of the car
    • Model and variant of the vehicle
    • Frequency of selling or buying a new car
    • The value of the parts in your vehicle

  • Can I choose the claim in which I want to use the zero depreciation benefits?

    Yes, it is up to the policyholders to decide whether they want to pay for the cost of depreciation of the replaced/repaired parts or not for a particular claim.

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Digit Car 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.