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Raheja Qbe Zero Depreciation Add-on

Raheja QBE Car Insurance

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Raheja QBE Zero Depreciation Add-on

Depreciation reduces the value of a car with its age due to wear and tear. Hence, with time the insurance providers tend to charge more to insure it. In addition to a higher premium, the claim amount also gets reduced with time due to depreciation. To avoid such situations and to get a higher amount of claim, it is recommended to opt for Raheja QBE Zero Depreciation Add-On Cover.

With this add-on cover, the claim amount is calculated without applying depreciation on your car and its parts. This allows the policyholders to receive the complete claim amount, subject to applicable deductibles. This add-on coverage is available on the payment of an additional premium over the basic premium charges.

Benefits of Raheja QBE Zero Depreciation Cover

The zero depreciation add-on cover comes with the following benefits:

  • No Depreciation is charged on your car or any of its parts except tyres, tubes and batteries.
  • Replacement of depreciated parts.

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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402 Raheja Qbe Cashless Garages in India

Raheja QBE Zero Depreciation Cover FAQs

  • With the zero depreciation add-on cover, can I get my car repaired at Raheja QBE authorised garages?

    Yes, with zero depreciation cover, you can get your car repaired at any of the insurer authorized garage, workshop or service station.

  • When can I include this add-on cover in my comprehensive car insurance plan?

    You can add this add-on coverage at the buying or renewing your standalone own-damage or comprehensive car insurance plan.

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

    The zero depreciation cover does not give compensation for tyres, tubes and batteries.

  • Will I get any discount, if no claim for zero depreciation cover is requested in the policy year?

    Yes, you will be eligible to get the No Claim Bonus (NCB), provided that you have not requested any claim from your comprehensive/standalone own damage insurance plan in the policy year, as zero depreciation is just an add-on to your policy.

  • Can I add other add-on covers in addition to this zero depreciation cover?

    Yes, you can add as many add-on covers as you want besides the zero depreciation cover.

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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.