Your RTO details
RTO name
Code
City
Address
Pincode
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Get Car Insurance starting at only ₹2,094/year #
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

Processing
    Other models
    Other variants
    Select your variant
    View all variants
      Secure
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      Difference Between Zero Dep and Comprehensive Car Insurance Policy

      If you are new to the motor insurance world, you must have struggled to distinguish between comprehensive car insurance and zero dep insurance. Many times people also use these terms interchangeably, however, both of them are totally different. Let us decode the difference between zero dep and comprehensive policy.

      Read more

      What is a Comprehensive Car Insurance?

      As the name suggests, a comprehensive car insurance policy offers broader coverage to the policyholder. Under this car insurance policy, the insurance company compensates the policyholder against third-party liabilities and own damages arising out of the insured car. Own damages include damages sustained by the insured car due to unforeseen events like accidents, collisions, earthquakes, strikes, fire, theft, etc. 

      On the other hand, third-party liabilities include third-party death, injury and property damage due to the insured vehicle.

      What is Zero Depreciation in Car Insurance?

      A zero depreciation cover is basically an additional cover that you can add to your comprehensive car insurance policy. 

      Also known as Nil depreciation or Bumper to Bumper insurance, this add-on provides coverage for the depreciation sustained by the insured four-wheeler. Generally, a standard comprehensive car policy does not cover any depreciation borne by the insured car.

      However, with the help of this add-on, you can get compensated for any depreciation as per the rates set by the IRDAI. It covers all parts of a vehicle including plastic parts, rubber, nylon parts, batteries, tyres, tubes, airbags and fibreglass components. 

      Zero dep car insurance is very beneficial for new cars. It can be purchased along with a comprehensive car insurance plan by paying some extra premium. 

      Comprehensive Insurance vs Zero Depreciation for Car

      Now that you know the meaning of both these terms, let us understand the differences between them:

      Point of Difference Comprehensive car insurance with zero dep cover Comprehensive car insurance without zero dep cover
      Premium Higher than a standard comprehensive policy Lesser as it does not include zero dep
      Coverage Covers depreciation borne by the insured car along with own damages and third-party liabilities.  Only covers own damages and third-party liabilities arising out of the insured four-wheeler. 
      Compensation Received Compensation received is higher as it also compensates for depreciation borne. Lesser compensation as depreciation is not included.
      Age of Car Depends on the insurer but is usually given for cars upto 5 years old. No age limit of the car
      Repair of Plastic Parts No depreciation is considered when repairing plastic parts of a car 50% depreciation cost is considered when repairing plastic parts

      As soon as a car comes out of the showroom, its value starts to depreciate. Thus, to cover this depreciation, a car owner can purchase zero dep cover along with his/her comprehensive car insurance policy. Thus, it is an additional cover and only covers the depreciation of a car.

      Wrapping Up!

      If you have a new car, taking the zero dep add-on along with your comprehensive car insurance policy can be really beneficial for you. Moreover, by paying a small premium, you can get your car covered against any depreciation at the time of claim settlement. Note that you cannot purchase a zero-dep add-on separately. It can only be purchased along with a comprehensive car policy.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar
      Claim Assurance Program

      Car insurance Articles

      • Recent Article
      • Popular Articles
      20 Jun 2024

      Top 5 Car Care Tips to Beat The Summer Heat

      The extreme heat and constant heat wave warnings have made

      Read more
      11 Jun 2024

      How to Check Car Owner Details By Registration...

      Scenarios like hit-and-run accidents or purchasing a second-hand

      Read more
      21 May 2024

      Get Faster Claim Settlement with Policybazaar...

      Getting your car insurance claim settled is no longer a hassle

      Read more
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance...

      Have you recently purchased a car insurance policy for your new

      Read more
      22 Feb 2024

      IDV in Car Insurance

      In layman's terms, the IDV full form is the Insured Declared Value

      Read more

      How to Check Car/Vehicle Insurance Status Online

      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

      Read more

      Getting Your Duplicate Car Insurance Policy is...

      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

      Read more

      How To Find Car Insurance Details By Registration...

      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access

      Read more

      How to Check Car Owner Details By Registration...

      Scenarios like hit-and-run accidents or purchasing a second-hand car require you to find car owner details by number

      Read more

      How to Transfer Car Insurance Policy?

      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer

      Read more

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

      top
      View Plans
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL