Paragraph matches

First paragraph26 words

Share your details

We're here to help you find the perfect insurance plan. our team will get in touch. Health Insurance Travel Insurance Motor Insurance Home Insurance Lifestyle Insurance

100.0%

Second paragraph26 words

Share your details

We're here to help you find the perfect insurance plan. our team will get in touch. Health Insurance Travel Insurance Motor Insurance Home Insurance Lifestyle Insurance

First paragraph33 words

Expert Note

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.

100.0%

Second paragraph33 words

Expert Note

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.

First paragraph35 words

Popular article

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?

100.0%

Second paragraph35 words

Popular article

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?

First paragraph10 words

Popular article

Top Add-On Covers to Consider for Your Car Insurance

100.0%

Second paragraph10 words

Popular article

Top Add-On Covers to Consider for Your Car Insurance

First paragraph27 words

More articles on Car Insurance

List of Best Cars Under 5 lakhs in India Fastest Cars in India 2026 Hatchback vs Sedan what are the differences How to Import Cars in India?

100.0%

Second paragraph27 words

More articles on Travel Insurance

List of Best Cars Under 5 lakhs in India Fastest Cars in India 2026 Hatchback vs Sedan what are the differences How to Import Cars in India?

First paragraph21 words

More articles on Car Insurance

Best FASTag Providers in India Pre Delivery Inspection Checklist Temporary Registration Numbers in India How to Check E Challan Status Online

100.0%

Second paragraph21 words

More articles on Travel Insurance

Best FASTag Providers in India Pre Delivery Inspection Checklist Temporary Registration Numbers in India How to Check E Challan Status Online

First paragraph25 words

Explore More on Car Insurance

Car Insurance Third Party Car Insurance TATA Car Insurance Maruti Car Insurance Standalone Own Damage Zero Depreciation Car Insurance IDV Calculator Car Insurance Premium Calculator

100.0%

Second paragraph25 words

Explore More on Travel Insurance

Car Insurance Third Party Car Insurance TATA Car Insurance Maruti Car Insurance Standalone Own Damage Zero Depreciation Car Insurance IDV Calculator Car Insurance Premium Calculator

First paragraph10 words

Share your details

We respect your privacy. Your details are safe with us.

100.0%

Second paragraph10 words

Share your details

We respect your privacy. Your details are safe with us.

First paragraph3 words

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

21 May 2026

86.7%

Second paragraph3 words

How Zero Depreciation Claims Differ for Minor vs Major Accidents

10 April 2026

First paragraph31 words

Thank you for your interest!

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?

45.2%

Second paragraph31 words

Thank you for your interest!

Our team will contact you shortly to provide personalized assistance with your insurance plan. Table of Content What is Covered Under Zero Depreciation? How Will Zero Depreciation Cover Help for Accidents?

First paragraph25 words

Thank you for your interest!

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:

43.2%

Second paragraph478 words

Thank you for your interest!

Introduction Zero depreciation cover will eliminate depreciation deductions for all replaced parts in the event of an accident. However, the benefit of it can vary depending on how severe the accident is. Offering coverage for different parts, getting this add-on can be extremely beneficial. Claim coverage varies significantly between minor and major accidents. For minor accidents, this add-on can help lower the cost of replacing parts such as bumpers and mirrors. As for major accidents, it offers higher financial coverage. This article explores the claims difference for minor and major accidents for zero depreciation car insurance. What is Covered Under Zero Depreciation? Zero depreciation cover protects the car by waiving off depreciation on replaced parts during claim settlement. Here's what's covered under zero depreciation: 1. Fiberglass parts 2. Metal parts like doors, fenders, bonnets and more. 3. Applicable for replaced parts of the damage is covered under Own Damage Sections like natural calamities or riots. 4. Plastic, rubber, and nylon parts, such as interior panels, clips, trims, and bumpers. How Will Zero Depreciation Cover Help for Accidents? Zero depreciation car insurance cover offers significant benefits to car owners in the event of major or minor accidents. In the event of an accident, it reduces out-of-pocket expenses by ensuring depreciation is not applied to the replaced parts during claim settlement. In minor and major accidents, parts replacement is a common scenario. Having this coverage offers peace of mind, as you'll be protected against the risk. Minor Accidents Minor accidents usually involve minor damage, such as cracked bumpers, broken fixtures, and damaged side mirrors. For city drivers, these minor accidents are likely to occur frequently. You may want to file a claim for the repairs during the policy year, but be extra mindful of the scenario. Read More on: How to File Car Insurance Claims Online (Step by Step) . Frequency of Claims You can apply for only one to two zero-depreciation claims on your car insurance per policy year. After this, the depreciation will be applied as per standard policy. Insights Into Depreciation For a standard car insurance policy, the insurance company can depreciate plastic and fibre parts up to 50%. With the zero-dep cover, the deduction is waived, and the insurer will bear the full cost. Consumables Not Covered Even with a zero depreciation add-on, some consumables are not covered. These include nuts, bolts, grease, lubricants, engine oil and cleaning agents. Impact on NCB Filing a zero depreciation claim for a minor accident, too, can reset your accumulated No Claim Bonus if you do not have an NCB add-on. Always weigh the benefits of your accumulated NCB against the claim amount before filing the claim. Pro tip : Before filing any claim for minor damages, compare the estimated cost of repair to the accumulated NCB benefits during renewal to determine financial feasibility.

First paragraph38 words

FAQs

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.

41.0%

Second paragraph27 words

3. Vehicle Age Restriction:

Zero-depreciation cover is usually valid for cars up to 5 years old. For cars older than that, there are specific restrictions that everyone must know about.