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TATA AIG Zero Depreciation Cover

Every auto insurance policy comes with add-on covers. The most popular one among them is the zero depreciation add-on. The zero depreciation add-on, also known as bumper to bumper add-on and nil depreciation add-on, provides coverage against the depreciation applicable on your car and its parts. In case of no zero depreciation, like all other insurer TATA AIG also deducts the depreciation amount on your car and its parts before acknowledging a claim and thus the cost of depreciation is borne by the policyholder.

Benefits of Tata AIG Zero Depreciation Add-On Cover

The Tata AIG Zero Depreciation add-on provides you with the following benefits:

  • Higher Claim Amount: The zero depreciation cover helps you get a higher claim amount as it gives coverage for depreciation on rubber, fibre, plastic and nylon parts of your car. However, the depreciation value for tyres, tubes and batteries is covered 50% by the insurer.
  • Saves The Money: The Tata AIG zero depreciation add-on cover helps policyholders to save money. It becomes possible since the premium amount charged for this add-on cover is any day lesser than the amount of depreciation incurred on a car and its parts.

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

Age of Car

Rate of Depreciation

Under 6 months

Nil

6 months to 1 year

5%

1-2 years

10%

2-3 years

15%

3-4 years

25%

4-5 years

35%

5-10 years

40%

Above 10 years

50%

Car Part

Depreciation Rate

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

50%

Fibre glass parts

30%

Glass parts

Nil

Factors Affecting Tata AIG Zero Depreciation Cover

Apart from several benefits, the Tata AIG zero depreciation car insurance cover comes with some limitations and conditions as well. Some of which are as follow:

  • This add-on cover is applicable to selected car makes and models
  • Zero depreciation claim can be availed of only twice during the policy tenure
  • Only cars of a maximum of 2 years of age can avail of this zero depreciation add-on cover
  • Normal wear and tear, damage due to uninsured danger and mechanical breakdowns are not covered under this add-on cover.

Must Read Articles before buying Tata Aig Car Insurance

TATA AIG Car Insurance User Reviews

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  • Awesome Buying Experience

    Good experience while purchasing two-wheeler third-party insurance on the insurance dekho portal. All most all...

    V
    By Vinit Bansal
    On: March 2, 2024
  • Customer-Centric Approach to T...

    InsuranceDekho's customer-centric approach extends to their Third-Party Car Insurance for my Chevrolet car. ...

    By Vibhas Mahendru
    On: October 18, 2023
  • Convenient Payment Settlement

    Settling payments after repairs at a cashless garage with InsuranceDekho’s Tata AIG Car Insurance Policy is ...

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    By Brahmjot Singh
    On: October 16, 2023
  • Efficient Repairs and Assistan...

    In the unfortunate event of an accident of my Ford car, I knew that InsuranceDekho's comprehensive coverage ...

    By Nisar Ahmed
    On: October 12, 2023
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    One of the things I appreciate most about InsuranceDekho is their transparency in presenting policy details....

    A
    By Anya Shukla
    On: September 27, 2023
  • No Out-of-Pocket Expenses

    I appreciate that I didn't have to pay out-of-pocket expenses at InsuranceDekho's cashless garages. The Tata...

    R
    By Ronit Shetty
    On: September 25, 2023
  • Prompt Assistance during Emerg...

    During a roadside emergency with my Toyota car, the Tata AIG Car Insurance Policy that I took from Insurance...

    By Samara Gupta
    On: September 21, 2023
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    The renewal certificates from InsuranceDekho are always provided promptly. This attention to detail makes th...

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    On: September 18, 2023
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    With InsuranceDekho's own damage policy, I enjoy peace of mind during every drive. This benefit along with t...

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    By Sheila Prathan
    On: September 13, 2023
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    InsuranceDekho's premium calculator provided accurate estimates, which allowed me to make informed decisions...

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    By Priya Pulkit
    On: September 11, 2023

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TATA AIG Zero Depreciation Cover FAQs

  • How to know if I should opt for a zero depreciation add-on?

    The zero depreciation add-on is an apt option in the following cases:

    • Inexperienced/new drivers
    • luxurious cars
    • New cars
  • Is Zero Depreciation add-on same as Nil Depreciation add-on?

    Yes, the zero depreciation is also known as nil depreciation.

  • Does a comprehensive auto insurance policy comes with the zero depreciation add-on?

    No, the zero depreciation add-on is not a part of the comprehensive auto insurance policy. You need to opt for it separately.

  • Can I opt for zero depreciation cover with a third party insurance policy?

    No. Insurers do not provide any add-on with third party auto insurance policy. If you wish to opt for zero depreciation or any other add-on, you need to purchase a comprehensive auto insurance policy.

  • Can I add the Zero Depreciation cover to my policy online?

    Yes, you can add the Zero Depreciation add-on cover to your policy online at the official website of Tata AIG car insurance. You can add this cover to a new policy or to an existing car insurance 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.