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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 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%

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

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.

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Zuno Car Insurance User Reviews

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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.

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