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2. Increased Coverage

Read More: Difference Between Comprehensive and Zero Depreciation Insurance

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Is Comprehensive Car Insurance Enough?

Read More: Difference Between Comprehensive and Zero Depreciation Insurance

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This information is based on standard motor insurance guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI) and commonly followed industry practices. Policy coverage and conditions may vary by insurer.

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This information is based on standard motor insurance guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI) and commonly followed industry practices. Policy coverage and conditions may vary by insurer.

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What is EP (Engine Protect) in Car Insurance? How to Save Money on Car Insurance The Impact of Driving Behaviour on Premiums Standalone Own Damage vs. Comprehensive Car Insurance: Which One is Right for You?

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What is EP (Engine Protect) in Car Insurance? How to Save Money on Car Insurance The Impact of Driving Behaviour on Premiums Standalone Own Damage vs. Comprehensive Car Insurance: Which One is Right for You?

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Top Add-On Covers to Consider for Your Car Insurance

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Is Zero Depreciation Worth It for Cars Driven Less Than 5,000 km a Year?

21 May 2026

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Is Zero Depreciation Add-On Worth It for Old Cars?

17 Aug 2026

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Our team will contact you shortly to provide personalized assistance with your insurance plan. Table Of Content Introduction Should You Buy Zero Depreciation Even If Your Car Has Been Driven Less?

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Our team will contact you shortly to provide personalized assistance with your insurance plan. Table Of Content Introduction What is Zero Depreciation Car Insurance? Depreciation Rates of Motor Vehicles

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Usually, the car insurance companies provide a zero depreciation policy on cars up to the age of 5 years. Not automatically. Zero-dep mainly removes depreciation deductions for parts. Engine protection requires a separate engine protect add-on.

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Typically, zero depreciation car insurance is for vehicles not older than 5 years. However, some insurers may provide zero dep cover to cars over 5 years of age. It may depend on the car's overall condition and the policy agreement.

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For older vehicles over 5 years old, is zero depreciation applicable?

The vehicle's age determines whether zero depreciation applies. In most cases, zero depreciation applies to cars older than 5 years. Zero-depreciation car insurance eliminates depreciation deductions for replaced parts. However, compulsory and voluntary deductibles still apply as per policy terms.

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Typically, zero depreciation car insurance is for vehicles not older than 5 years. However, some insurers may provide zero dep cover to cars over 5 years of age. It may depend on the car's overall condition and the policy agreement.

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2. Increased Coverage

Adding zero depreciation to a comprehensive insurance policy enhances its coverage. It covers the additional cost for parts such as plastic, fibreglass, and rubber. Therefore, if there is damage, you can get the repairs without paying extra. However, make sure to understand the difference between zero depreciation and comprehensive insurance.

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Is Comprehensive Car Insurance Enough?

While comprehensive insurance provides broad protection, zero depreciation helps reduce out-of-pocket repair costs. Understanding the differences between zero depreciation and a comprehensive car insurance policy will help you make the right choice.

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Who Should Choose Zero Depreciation Car Insurance? Will Zero Depreciation Cover Save You Money? What Will the Zero Depreciation Cover? Benefits of Zero Depreciation cover:

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Introduction While renewing the car insurance policy, Revati Skukla noticed that zero depreciation cover was still available as an add-on. However, since her car was already four years old, she wondered if paying the extra premium was still worth it. Would this add-on still provide real value during a claim, or had it become an unnecessary cost as the car got older? This uncertainty is quite common among car owners renewing insurance for ageing vehicles. As a car grows older, insurers may limit the availability or benefits of zero depreciation cover, and the additional premium may also vary. Knowing how valuable this add-on remains for older cars can help policyholders make a better decision at the time of renewal. What is Zero Depreciation Car Insurance? Zero depreciation car insurance is an additional coverage available with comprehensive car insurance plans or standalone own damage insurance. With zero depreciation car insurance, the depreciation value of various car parts is not added during claim settlements. It means you get the full claim amount. In a typical car insurance claim settlement, the cost of depreciation of parts like rubber, fibre, and metal is calculated and deducted from the final claim amount. Having a zero depreciation add-on is like a shield against the depreciation cost of car parts. These costs are not deducted, ensuring a higher claim settlement amount for car owners. Get zero-dep insurance at an affordable premium with Generali Central. Read More: How Zero Depreciation Car Insurance Works Depreciation Rates of Motor Vehicles The table below explains the depreciation rate of motor vehicles based on their age: Age of the Car Depreciation Rate Under 6 months 5% 6 months to 1 year 15% 1 year to 2 years 20% 2 years to 3 years 30% 3 years to 4 years 40% 4 years to 5 years 50% Above 5 years Mutually agreed between the insurer and car owner Is Comprehensive Car Insurance Enough? A comprehensive car insurance policy covers damage to your vehicle from accidents, theft, fire, or natural disasters, but depreciation on replaced parts is deducted during claim settlement. A zero depreciation add-on removes this deduction, allowing higher claim payouts. While comprehensive insurance provides broad protection, zero depreciation helps reduce out-of-pocket repair costs. Understanding the differences between zero depreciation and a comprehensive car insurance policy will help you make the right choice. Read More: Difference Between Comprehensive and Zero Depreciation Insurance Who Can Buy a Zero Depreciation Add-On? As a car owner, you may be wondering if your vehicle is eligible for a zero depreciation add-on. Here are the eligibility criteria: