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Digit Zero Depreciation Car Insurance

The zero depreciation add-on by Go Digit General Insurance Limited is a highly beneficial cover for car owners that they can opt for while buying a comprehensive four-wheeler insurance policy. Under this add-on, the policyholder gets 100% cover for the repair or replacement of several parts of the insured vehicle.

Benefits of Digit Zero Depreciation Insurance

During claim settlement, the insurance company deducts the depreciation costs borne by your vehicle over time. However, with Digit zero depreciation car insurance, the policyholder gets the complete claim amount without any deductions. Have a look at the key advantages provided under the zero depreciation add-on:

Greater Protection: A standard comprehensive vehicle insurance policy offers a specified amount of coverage. However, with the nil dep add-on, you get total compensation for repairs/replacements as depreciation costs are not taken into consideration.
Long-term Savings: By paying a slightly higher policy premium for a zero dep add-on, your long-term money savings are much higher as the depreciation costs are borne by the insurance company, thereby ensuring significant savings at the time of repair or replacement.
Cashless Claims: With Digit bumper to bumper cover, you don't have to pay anything for car repairs if they are done in the insurer's authorised network garages.

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How to Buy Digit Zero Depreciation Add-on Cover?

Buying car insurance online with a nil dep cover is a simple and quick process and involves the following steps:

Navigate to Policybazaar.com and select “Car Insurance” from the homepage of the website.
On the form given, enter your car number.
Now you would be required to select car details like make/model, variant, RTO, etc.
From the list of car insurance quotes, select the Digit car insurance plan.
Under 'Add-ons and Accessories', add the “Zero Depreciation” cover to view the updated policy premium.
Pay digitally through cards, net banking, or UPI.
Upon successful payment, you will receive your Digit comprehensive car insurance policy paired with the zero dep add-on via email.

Digit Zero Depreciation Car Insurance Claim Process

You can easily raise a claim under your Digit zero depreciation motor insurance policy by following the steps cited below:

Promptly inform the insurer about the damages caused to your vehicle in an unfortunate incident.
Your insurance company then registers a claim under your car insurance policy upon intimation.
For estimating the repair costs of vehicle damage, a surveyor is appointed for vehicle inspection.
After the inspection, your insured vehicle is then sent for part repairs/replacement to one of the network garages.
After the repair work is completed, your insurer directly settles the claim with the garage.
Since you have a zero dep cover, your insurer pays the complete claim amount without deducting the depreciation.

Documents Required for a Digit Zero Depreciation Car Insurance Claim

Cited below are important documents you need to keep handy to file a claim under your zero depreciation add-on:

Copy of insurance policy's first 2 pages
Valid driving licence of the owner/driver
Car's registration certificate and PUCC
Duly filled & signed claim form
Copy of Police FIR (if applicable)
Original estimate, invoice, and payment receipt for cash/cashless garage

FAQs

Q1. Is zero dep different from the comprehensive cover?

Ans: Yes. Zero depreciation is an add-on cover that you can opt for by paying a little higher premium while purchasing a comprehensive car insurance policy. This add-on ensures that all the repair or replacement costs of your car parts are fully borne by the insurer.
Q2. Is it mandatory to provide a copy of FIR to the insurer while raising a claim?

Ans: Only if there was an accident where the local police got involved, you are required to submit a copy of the FIR to your insurance company for claim processing. For any theft and third party related claims, a Police FIR is mandatory.
Q3. Does the Digit zero depreciation car insurance provide 100% coverage for all parts of a damaged car?

Ans: No. Under the Digit zero depreciation add-on cover, 100% coverage is provided only for the rubber, metal and fibre parts of the damaged car.
Q3. How many times can I file a claim under my zero dep add-on?

Ans: The benefits under your Digit zero depreciation add-on can be utilised up to a specified number of times as mentioned in your insurance document.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in