Q1. Does the National zero depreciation car insurance offer 100% coverage for every damaged car part?

Ans: No. Under the National nil dep add-on, 100% coverage applies only to fibre, metal, and rubber parts of the damaged vehicle.

Q2. Is there any limit to the number of claims that can be filed under the zero dep add-on?

Ans: You can utilise the benefits of your National zero depreciation car insurance up to a specified number of times, as stated in your policy document.

Q3. Is FIR compulsory for raising a claim under my National car insurance?

Ans: If local police are involved in an accident, you need to submit the FIR to your insurer to raise a car insurance claim. Additionally, FIR is also mandatory in case of theft and third-party claims.

Q4. What is the difference between zero dep and comprehensive car insurance?

Ans: Zero depreciation is an add-on cover that you can opt for while buying a comprehensive car insurance policy by paying a slightly higher premium. Under this add-on, vehicle repair costs are fully borne by your insurer.

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National Zero Depreciation Car Insurance

The National zero depreciation add-on is a beneficial cover that car owners can opt for along with comprehensive car insurance. This add-on by National Insurance Company Limited provides the policyholder with complete coverage for the repair of the insured vehicle without considering its depreciation.

Benefits of National Zero Depreciation Car Insurance

Your car's value starts depreciating as soon as you take it out of the showroom. Your insurer deducts this depreciation cost when you file a claim, which you can avoid by opting for National zero depreciation car insurance. Here are the key benefits of a nil dep add-on cover:

Enhanced Coverage: You get a specific amount of coverage under a standard car insurance policy. However, opting for the National zero dep add-on helps you get full compensation for vehicle repairs or parts replacements since depreciation costs are not involved.
Cashless Claims: With a National bumper to bumper policy, you don't have to pay anything for your car repair provided it is done in one of your insurer's network garages.
Reduced Expenditures: You can achieve significant cost savings with a nil dep add-on as your vehicle depreciation costs are borne by your insurer, thereby ensuring minimum out-of-pocket expenses during car repair.

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How to Buy National Zero Depreciation Add-on Cover?

Buying car insurance online with a nil dep cover is easy and quick and has the following procedure:

Go to the “Car Insurance” section on the homepage of Policybazaar.com and enter your car number.
Now you would be asked to select car details like make/model, variant, fuel type, registration year, etc.
From the list of motor insurance quotes, select National car insurance.
Under 'Add-ons', select “Zero Depreciation.”
Now you will see the updated policy premium, which you can pay via cards, net banking, or UPI.
After successful payment, you will receive your National comprehensive car insurance policy with zero dep add-on via email.

National Zero Depreciation Car Insurance Claim Process

Filing a claim under your National zero depreciation car insurance is a simple process. Here are the steps to follow:

The first and foremost step is to inform your insurance company about the unfortunate incident.
Upon intimation, your insurer registers a claim under your car insurance policy.
A surveyor is then assigned by your insurer to inspect your vehicle's damages and estimate repair costs.
Post inspection, your vehicle is sent to the insurer's network garages for repairs/part replacement.
Once the repair work is finished, your insurer settles the claim with the garage.
Since you have a nil dep add-on, your insurance company covers the entire claim amount without any deductions.

Documents Required for a National Zero Depreciation Car Insurance Claim

Below are the important documents you should have ready to raise a claim against your zero depreciation add-on:

Copy of insurance policy
Valid driving licence of the owner/driver
Car's registration certificate and PUCC
Duly filled & signed claim form
Copy of Police FIR (if applicable)
Estimate of repair

FAQs

Q1. Does the National zero depreciation car insurance offer 100% coverage for every damaged car part?

Ans: No. Under the National nil dep add-on, 100% coverage applies only to fibre, metal, and rubber parts of the damaged vehicle.
Q2. Is there any limit to the number of claims that can be filed under the zero dep add-on?

Ans: You can utilise the benefits of your National zero depreciation car insurance up to a specified number of times, as stated in your policy document.
Q3. Is FIR compulsory for raising a claim under my National car insurance?

Ans: If local police are involved in an accident, you need to submit the FIR to your insurer to raise a car insurance claim. Additionally, FIR is also mandatory in case of theft and third-party claims.
Q4. What is the difference between zero dep and comprehensive car insurance?

Ans: Zero depreciation is an add-on cover that you can opt for while buying a comprehensive car insurance policy by paying a slightly higher premium. Under this add-on, vehicle repair costs are fully borne by your insurer.

Explore More Under Car Insurance

Car zero Depreciation Insurers

Bajaj Allianz Zero Depreciation Car Insurance

Chola MS Zero Depreciation Car Insurance

Digit Zero Depreciation Car Insurance

Future Generali Zero Depreciation Car Insurance

HDFC Ergo Zero Depreciation Car Insurance

ICICI Lombard Zero Depreciation Car Insurance

IFFCO Tokio Zero Depreciation Car Insurance

Liberty Zero Depreciation Car Insurance

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IFFCO Tokio Car Insurance

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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

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29 Sep 2025

National Zero Depreciation Car Insurance

Benefits of National Zero Depreciation Car Insurance

Explore More Under National

How to Buy National Zero Depreciation Add-on Cover?

National Zero Depreciation Car Insurance Claim Process

Documents Required for a National Zero Depreciation Car Insurance Claim

FAQs

Q1. Does the National zero depreciation car insurance offer 100% coverage for every damaged car part?

Q2. Is there any limit to the number of claims that can be filed under the zero dep add-on?

Q3. Is FIR compulsory for raising a claim under my National car insurance?

Q4. What is the difference between zero dep and comprehensive car insurance?

Explore More Under Car Insurance

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