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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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For example, if a plastic bumper is damaged, a standard insurance policy may cover only 50% after depreciation. With zero dep insurance, the full cost is covered.

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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.