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Disclaimer: Actual Premium might vary basis your location, age and number of members

New India Zero Depreciation Add-on

When it comes to cars, their worth depreciates with time. Due to this, insurers charge a higher premium for their insurance and reduce the claim amount with time. To avoid this situation, you can include an add-on cover known as Zero Depreciation by The New India Assurance Company Limited to your comprehensive or standalone own-damage policy.

The Zero Depreciation add-on cover will offer coverage against the default depreciation applicable on your car and its parts, which will help you get a higher claim in return. You can get this cover added to your comprehensive or standalone own-damage car insurance policy by paying a little extra premium. The absence of this add-on cover will make you receive a lower claim amount as the claim amount would be calculated after considering the depreciation amount.

Benefits of New India Zero Depreciation Add-On Cover

On adding this add-on cover to your policy, you will be eligible to get the following benefits:

  • Get the coverage for repair or replacement of the car’s depreciated parts.
  • Zero depreciation will be applicable to your whole car except on tyres, tubes and batteries which will be charged at 50% (default depreciation).

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

Age of Car

Rate of Depreciation Without Zero Depreciation Cover

Rate of Depreciation With Zero Depreciation Cover

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%

Disclaimer: Battery / Plastic / Nylon / Rubber parts -> 50% covered; Fiberglass -> 70% covered, Wooden & Metallic parts -> Depreciated basis age of vehicle (normal)

Factors Affecting New India Zero Depreciation Cover

This zero depreciation add-on cover is loaded with the following features:

  • You can make unlimited number of claims under this add-on.
  • It can be availed only if your car’s age is not more than 34 months.

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New India Zero Depreciation Cover FAQs

  • Till when can I include the zero depreciation add-on cover in my car insurance policy?

    You can include the zero depreciation add-on cover from New India Assurance Company Limited to your comprehensive or standalone own-damage policy till your car’s age is not more than 34 months.

  • What factors determine the premium price of the zero depreciation cover?

    Factors that determine the premium price of zero depreciation add-on cover are as follows:

    • Car’s age
    • Car’s model
    • Car’s registered location, etc.

  • When can I get zero depreciation cover added to my comprehensive car insurance policy?

    You can add this zero depreciation coverage in your comprehensive car insurance policy at the time of purchase or renewal of your policy.

  • I have a liability-only car insurance policy. Can I add zero depreciation cover in it?

    No, you can not add the zero depreciation cover to your liability-only policy. It can be added to only with comprehensive/standalone own-damage car insurance policy.

  • Can I add any other add-on cover with the zero depreciation cover in my policy?

    Yes, you can include all the add-on covers offered by the New India Assurance Company Limited to your comprehensive or standalone own damage policy in addition to zero depreciation add-on cover.

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