Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
  • CASHLESS GARAGES 1,500
  • CLAIMS SETTLED 98%
  • COMPREHENSIVE CLAIMS UNLIMITED
Key Features:
  • 50% Advance Payment
  • 6-Month Repair Warranty
  • Free Pick-Up and Drop
  • Quick Claim Settlement

Calculate Your Car Insurance Premium Online

Select your car brand

  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your car?

Have you made a insurance claim in the previous year?

Zuno Zero Depreciation Cover

Like every other commodity, your car is also subject to depreciation. It is the decrease in the value of the car due to age and regular wear and tear. Depreciation not only lowers down the vehicle’s market value but also affects the amount which you receive at the time of claim settlement. If a policyholder does not have the coverage of the zero depreciation add-on along with the comprehensive policy, then the insurer is not liable to bear the cost of depreciation for the replaced parts of the insured vehicle. As a result, the policyholder gets lower claim amounts during the claim settlement.

The purchase of the Zuno Zero depreciation add-on cover will ensure that the company will reimburse or indemnify the depreciation charges for your vehicle and its parts. This add-on cover also helps policyholders to get higher claims without deducting the depreciation of the vehicle.

Benefits Of Zuno Zero Depreciation Insurance

Higher Claim Amounts: The zero depreciation add-on cover purchased along with the regular comprehensive car insurance policy allows policyholders to enjoy higher claim amounts. The cover shifts the liability of the depreciation costs from the insured to the insurer which means that Zuno will be liable to bear the cost of depreciation.

Multiplicity of Claims: A policyholder can claim the benefits of the Zuno zero depreciation cover up to 2 claims during the duration of a policy period.



Zero Depreciation vs Normal Insurance

Age of Car

Rate of Depreciation Without Zero Depreciation

Rate of Depreciation Without 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 Without Zero Depreciation

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

50%

0%

Fibre glass parts

30%

0%

Glass parts

Nil

0%

Conditions of Zuno Zero Depreciation Add-on Cover

  • The cover is applicable for the first 2 claims during a policy period.
  • It is not applicable for theft, CTL and TL of the insured vehicle.
  • The damaged vehicle must be repaired at the company authorised workshop.
  • The first 10% of the entitled claim amount will be deducted if the repairs are made in an unauthorized workshop. This deductible can be waivered at the company’s discretion.
  • It is applicable for vehicles that are not more than 7 years old.
  • The company is not liable to compensate for any loss or damage to the battery or tyre of the insured vehicle.

Must Read Articles before buying Zuno Car Insurance

Zuno Car Insurance User Reviews

Write your review
What users are saying
  • All
  • Zero Depreciation
  • Most Helpful
  • Comprehensive
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On
  • When I bought the New India Car Insurance Policy for my Ford car from InsuarnceDekho, the policy covered the...

    Read More
    By Rakhi Yadav
    On: June 5, 2023
  • I was new to car insurance. But at InsuarnceDekho I learned about third-party insurance. I came to know that...

    Read More
    P
    By Preeti Bhasin
    On: June 5, 2023
  • The premium calculator is a very useful tool. At InsuarnceDekho, by using this tool, I was able to calculate...

    Read More
    G
    By Gautam Manchandani
    On: June 5, 2023
  • I was highly satisfied with the coverage options and flexibility provided by the Reliance Car Insurance Poli...

    Read More
    By Ria Sheikh
    On: June 5, 2023
  • From InsuarnceDekho, I bought the ICICI Lombard Car Insurance Policy to secure my Mahindra car. Under this p...

    Read More
    P
    By Priya Nanda
    On: June 5, 2023
  • Through the HDFC Ergo Car Insurance Policy, I got my own damage coverage, and it provided excellent protecti...

    Read More
    R
    By Ritu Grover
    On: June 5, 2023
  • The renewal process for my Tata AIG Car Insurance Policy for my Hyundai car that I purchased last year was s...

    Read More
    N
    By Nita Basist
    On: June 5, 2023
  • Dealing with the Acko Car Insurance Policy, that I undertook for my Maruti car from InsuranceDEkho during th...

    Read More
    A
    By Aman Siddaqui
    On: June 5, 2023
  • The Reliance Car Insurance Policy that I got from InsuarnceDekho gave me the primary advantage of accidenta...

    Read More
    P
    By Pihu Chopra
    On: June 2, 2023
  • Through the InsuarnceDekho website, I learned about the concept of zero depreciation coverage in car insuran...

    Read More
    N
    By Naina Deshmukh
    On: June 2, 2023

403 Zuno Cashless Garages in India

Insurance Products by Zuno General Insurance

Zuno Zero Depreciation Add-on FAQs

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

    Yes, you can. Policyholders have the liberty to decide in which claims they wish to bear the cost of depreciation of the replaced parts or not for a particular claim.

  • What factors are to be considered before opting for a zero depreciation add-on cover?

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

    • Age of the car
    • MMV (make, model and variant) of the car
    • Frequency of sale or purchase of a new vehicle
    • The value of the parts and components in your car
  • What is the premium required for availing zero depreciation add-on cover?

    There is no such fixed premium for the zero depreciation add on cover, the cover is purchased against extra premium in a comprehensive policy. The premium amount for comprehensive policies are determined on the basis of certain factors like Insured Declared Value (IDV) of your car, its age, MMV, cubic capacity etc.

must dotmust graphics

Why to buy from InsuranceDekho?

  • Instant policy # within 5 mins
  • More than 45 Lac happy customers
  • Claim Support available all 7 days of the week

Car Insurance News

Calculate your Car IDV

Cashless Garages in Popular Cities

CityNo of Garages
Mumbai65
Bangalore60
Chennai58
Hyderabad51
Delhi46
Kolkata43
Ahmedabad33
View All
#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.