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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.
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.
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How Zero Depreciation Claims Differ for Minor vs Major Accidents
10 April 2026
Is Zero Depreciation Worth It for Cars Driven Less Than 5,000 km a Year?
21 May 2026
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.
FAQs
You can make up to 2 claims on your zero depreciation insurance. The car insurance company will define the number of claims you can make during the policy period.
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?
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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?
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.
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.