Bumper to Bumper Insurance

Bumper to bumper insurance, also referred to as zero depreciation or nil depreciation, is an add-on that can be purchased with a comprehensive car insurance policy to enhance insurance coverage. With this cover, a policyholder receives the full claim amount without any deduction for the depreciated value of the insured car or its parts.

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What is Bumper to Bumper Insurance?

Bumper to bumper insurance is a type of car insurance policy that offers complete coverage to your car irrespective of the depreciation on its parts. So, when there is a loss or damage caused to your vehicle due to an accident, the insurer will not deduct the depreciation value from the claim amount (excluding batteries and tyres) and will pay the entire cost of vehicle repair or part replacement.

Bumper to bumper car insurance or full-body insurance provides complete coverage for all rubber, fibre, and metal parts of your car but does not cover engine damage resulting from oil leakage or water ingression. Any expenses incurred from mechanical breakdown, consumables or oil change are also excluded. Additionally, there are limitations on the number of claims that you can file against your bumper to bumper insurance in a policy year. Read more

Key Features of a Zero Depreciation Policy

Here are the important features of bumper to bumper car insurance:

A bumper to bumper add-on can be availed when you buy or renew comprehensive car insurance policy.
It provides coverage for fibreglass components, rubber parts, plastic, and nylon parts.
In a bumper to bumper policy, you can claim the full amount. Whereas in a standard policy, depreciation rates between 0% and 50% are applicable.
You can buy bumper to bumper insurance after 5 years and up to 10 years for older cars.
The number of claims under this add-on cover is limited, which may vary from one vehicle insurance company to another.
It is essential to renew the zero depreciation policy every year to continue enjoying the policy benefits.

Advantages of Bumper to Bumper Car Insurance

Here are some benefits of buying bumper to bumper insurance for your car:

Cost-Effective Premium

Bumper to bumper insurance comes at an affordable price. Car owners can enhance their coverage with this add-on in car insurance by paying a slightly more premium compared to a standard car policy.

Zero Deductibles

With the zero dep add-on in car insurance, you are not required to pay any depreciation costs as they are covered by your insurer.

Hassle-free Claims

The claim settlement process for bumper to bumper car insurance is speedy and smooth, with 24x7 claim assistance.

Bumper to Bumper Insurance vs Comprehensive Car Insurance

Here is a brief comparison between a comprehensive car insurance policy and bumper to bumper insurance:

Bumper to Bumper Insurance	Comprehensive Car Insurance
This is an add-on benefit that comes for an extra premium.	The premium amount is lower than bumper to bumper car insurance.
Compensation is provided for the full cost of repairs for external car body damages regardless of the depreciation value.	The compensation amount excludes the depreciation value of car parts.
The insurance company pays for the replacement/repairs/ replacement of the fibre and plastic components of your car.	You make the partial payment for the replacement/repair of the plastic, metal, or fibreglass components of your car.

Car Depreciation Rates Set By IRDAI

The depreciation rates for cars are set by the Insurance Regulatory and Development Authority of India (IRDAI), as shown below:

Car Parts	Rate of Depreciation
Plastic/rubber/nylon parts, batteries, tyres/tubes, paintwork, etc.	50%
For fibreglass parts	30%
Glass parts	Nil

A car's value depreciates by 5% as soon as it is taken out of the showroom. This depreciation percentage keeps on increasing every year. Here is the table showing depreciation rates for cars as they age:

Age of the Car	Depreciation Rate
Below 6 months	5%
Between 6 months and 1 year	15%
1 - 2 years	20%
2 - 3 years	30%
3 - 4 years	40%
4 - 5 years	50%
Above 5 years	Mutually decided between the insurer and car owner

However, with the zero dep or bumper to bumper add-on in your vehicle insurance policy, you are not liable to pay your car's depreciation value.

Importance of Bumper to Bumper Car Insurance

Here is why bumper to bumper insurance for the car is one of the most sought-after insurance products in India and why you can consider it along with the standard coverage:

Bumper to bumper insurance makes the claim process easier for someone who is claiming car insurance for the first time by covering the full expenses incurred towards the repair or replacing of the depreciated parts listed above.
Bumper to bumper car insurance is a boon for expensive car owners that demand high maintenance. Usually, repair or replacement of any parts of these cars come at a high cost. Having this add-on relieves the policyholder by paying the full value of the part during the time of a mishap.

Explore Add-Ons for Your Car Insurance

Zero Depreciation Car Insurance

Compulsory Personal Accident Cover

Bumper to Bumper Insurance

NCB Protector Add-On Cover

Bundled Policy

Roadside Assistance Cover

Return to Invoice (RTI) in Car Insurance

Engine Protection Cover

What is not Covered Under Bumper to Bumper Car Insurance?

A car bumper to bumper insurance does not cover a few scenarios. These include:

Bumper to bumper car insurance is not available for cars older than 10 years.
It does not provide coverage for engine damage due to oil leakage or water ingression.
Regular wear and tear, damage to tyre and tubes, clutch plates, bearings etc. are excluded from car bumper to bumper insurance.
If the private car is being used for a commercial purpose or vice versa.
If the vehicle owner does not have valid motor insurance at the time of the accident.
No coverage is offered under bumper to bumper insurance if the driver is found driving under the influence of alcohol or drugs or other intoxicating substances.
If the driver does not have a valid driving licence.
If the insured vehicle is used for illegal activities.
If a claim is filed against an expired policy.

How is Bumper to Bumper Insurance Price Decided?

The insurance company decides the cost of bumper to bumper insurance cover by considering the following factors:

Age of the car
The make and model of the vehicle
Geographical location of the car owner

You can also use a bumper to bumper car insurance calculator to check the insurance premium online on Policybazaar.com before buying the policy.

How to Buy Bumper to Bumper Car Insurance Online?

Here's a simple process to buy bumper to bumper insurance online:

Go to Policybazaar.com and select 'Car Insurance.'
Input your car number and select its details, such as make and model, variant, RTO, etc.
Now, from the list of car insurance quotes, select a plan that suits your coverage requirements and budget.
Under 'Add-ons,' select 'Zero Depreciation' cover.
Now, you will see the updated policy premium, which you can pay via cards, net banking, or UPI.
After successful payment, your bumper to bumper car insurance documents will be sent to you instantly via email.

How to Buy Bumper to Bumper Car Insurance Online?

FAQs About Bumper to Bumper Car Insurance

What is the meaning of bumper to bumper insurance?

Bumper to bumper insurance means that you will get comprehensive protection for your vehicle, covering both minor and major damages.
What is the price of bumper to bumper insurance?

The bumper to bumper insurance price is decided by the car insurance company based on the car's make & model, age, and the area where the car is registered.
How to check bumper to bumper insurance?

To know if you have bumper to bumper car insurance, search for zero depreciation or nil depreciation in your policy document. Alternatively, you can contact your insurer to check if your car insurance includes bumper to bumper coverage.
Does bumper to bumper insurance cover the wear and tear of car tyres and tubes?

No. A bumper to bumper car insurance policy does not cover wear and tear of car tyres or tubes. However, there's a separate add-on 'Tyre Protector' that covers accidental damages to the insured vehicle's tyres and tubes.
How to claim bumper to bumper car insurance?
The common steps to claim bumper to bumper insurance are:
- Promptly inform your insurer and register the claim.
- Have your vehicle assessed for damages and submit the required documents.
- Get your car repaired at an authorized network garage.
- Your insurer will directly settle the expenses with the garage without deducting any depreciation.
Are comprehensive insurance and bumper to bumper insurance the same?

No. Comprehensive car insurance offers standard coverage and deducts the depreciation cost of the car and its parts. However, bumper to bumper is an add-on that you can opt for with a comprehensive car policy to avoid depreciation deduction.
Can I upgrade my third party insurance into a bumper to bumper policy?

Yes. You can upgrade your third party policy to bumper to bumper insurance by purchasing a standalone own-damage policy and opting for a zero depreciation add-on for an additional premium.
How to renew bumper to bumper insurance?

Car bumper to bumper insurance renewal is easy and hassle-free. Select 'Car Insurance' from the Policybazaar.com homepage and enter your vehicle number and other information. Proceed further to view different quotes from multiple insurers. Choose the desired policy and select 'Zero Depreciation' from 'Add-ons.' Complete the premium payment, and you will receive your renewed bumper to bumper insurance copy via email.
Is bumper to bumper insurance worth it?

Yes. If you drive often or reside in a high-risk area, bumper to bumper insurance is a good investment, particularly for new or high-end cars. However, it's not essential for older cars or those on a tight budget.
Can I buy bumper to bumper insurance for used cars?

Yes. You can opt for bumper to bumper insurance for a used car if it is in good condition, has a reasonable market value, and is 10 years old or less.