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Zero Depreciation Car Insurance - Is It Worth The Buy?

Updated On Oct 13, 2023

Benefits Of Zero Depreciation Car Insurance

Bumper to bumper - If you are a car owner, you must have heard about this term a thousand times. Little were you aware that bumper to bumper is just another name for zero depreciation car insurance. To begin with, this add-on is of great benefit. It saves you a good amount of money in the long run. Wondering how? Let’s see.

It is no secret that a vehicle of any type is a depreciating asset. The more wear and tear in a vehicle, the higher is the depreciation. In short, having the best car insurance policy is never complete without adding a zero depreciation cover if available.

Zero dep offers complete coverage to a vehicle without factoring depreciation. Before taking a leap, let’s check out a few other alternative names for a zero depreciation cover. These include:

- Bumper to Bumper
- Nil Depreciation
- Zero dep

Motor Insurance Policy Paired With Zero Depreciation - Think It’s a Good Idea?

Stop making decisions for a while and think. If your car rams into another vehicle or a tree, the damages would be severe. Care calculating the expenses? Well, the numbers are definitely going to put you in a state of shock!

Did you know that standard car insurance does not offer enough coverage to a vehicle? Cars age with time and so do their parts. They wear out and depreciate in value. When you buy car insurance, these parts are not covered. Having a zero dep add-on saves you from the trouble of spending riches in getting these parts repaired. Plastic and metal parts in a vehicle are prone to degrade with time and are covered using a zero depreciation add-on.

**Please Note: 30% depreciation is deductible on car parts made of plastic, nylon and rubber**

Since it is an add-on, you certainly pay extra in terms of premium but isn’t it worth it? After-all, bearing the brunt of damages in a vehicle is quite expensive. With the zero dep feature added to your car insurance, the insurance company pays it all.

What are the most availed benefits of a zero depreciation car insurance policy?

1. Zero depreciation car insurance enhances the value of a basic insurance policy. Your expenses go down with this add-on

2. Replacing or repairing parts in a vehicle could cost you a fortune. These expenses are met without factoring in depreciation of the vehicle

Zero Depreciation Car Insurance - Is It Worth The Buy?What to Remember?

Zero depreciation is an exclusive feature added to a basic policy. It is not only available for new cars. In fact, companies offer zero depreciation car insurance policy for vehicles as old as 5-7 years. It offers higher coverage than a basic car insurance plan.

Disclaimer: Every detail provided on this website is for information purposes only. Insurancedekho under no circumstances, endorse the information provided. However, we are constantly doing our best to keep our privileged customers up-to-date with neutral and factual information.


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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