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- Zero Dep vs. Comprehensive Two Wheeler Insurance Cover- Which one is Better?
Zero Dep vs. Comprehensive Two Wheeler Insurance Cover- Which One is Better?
Understanding the world of two-wheeler insurance may feel like decoding a cryptic code, especially when you have to make a choice between "zero dep bike insurance coverage" and "comprehensive bike insurance coverage". While both promise ultimate protection, they differ significantly in terms of premium and scope of coverage. This page will teach you about the detailed differentiation between these two coverages. Read on!
Comprehensive Bike Insurance vs Zero Depreciation Cover
Both zero depreciation bike insurance add-on cover and comprehensive two-wheeler insurance policy have some key differences. Each policy has its own pros and cons and can be purchased at different premium rates. You can refer to the difference table below to make a wise and informed decision:
| Parameter | Comprehensive Bike Insurance | Zero Dep Bike Insurance Cover |
| Meaning | This policy combines both third party and own damages. | This is an add-on available with the comprehensive policy and own damage bike policy. |
| When to Choose? | Ideal for those looking for a budget friendly insurance that covers both TP and OD. | As a new bike owner, it is recommended to buy this valuable add-on cover. |
| Coverage | It covers plastic, nylon, rubber, tyre, tube, battery, denting painting costs by 50%, glass costs by 100% and metal/wood/fiber: as per the age of the vehicle in case of an accident. | If you buy a zero dep cover, all parts are fully covered and the insurance company pays 100% cost except for tyre, tube and battery costs that are covered at 50% in case of an accident. |
| Claims | More than 2 accidental claims can be raised within a policy year. | Usually you can file for two 100% accidental claims in a policy year but it varies with the insurer. |
| Premium | Premium is higher than TP bike insurance policy but lower than zero dep cover. | This has the highest premium as compared to third party and comprehensive bike insurance as it gives maximum protection to the insured two-wheeler. |
What is Comprehensive Bike Insurance?
A comprehensive bike insurance is a bundled bike insurance policy that combines both third party and own damage insurance covers. It offers complete coverage and comes with added advantages and benefits. It not only covers third party liabilities and property damages but also covers your own bike against damages due to accident, theft, natural calamity, etc.
Comprehensive bike insurance covers accidental damages to plastic, nylon, rubber, tyre, tube, battery, denting painting costs by 50%, glass costs by 100% and metal/wood/fiber is covered as per the age of the vehicle
Characteristics of Comprehensive Bike Insurance
A comprehensive bike insurance has a number of features that benefit the policyholder. A few benefits are mentioned below:
- Coverage: A comprehensive 2-wheeler insurance policy covers both third party liabilities and damages caused to the insured bike due to accidents, fire, theft, or any natural calamities.
- NCB Benefits: If you do not raise a claim in a policy tenure and maintain a clean driving record, you become eligible for a No Claim Bonus (NCB) Discount. This discount can be availed on your premium while renewing your bike insurance policy.
- Add-Ons Available: A comprehensive bike policy also gives you the option to include several add-ons and customize your bike insurance as per requirements. You can choose from several add-ons such as roadside assistance, zero depreciation, return to invoice cover, etc, to enhance the coverage of your bike insurance.
Inclusions and Exclusions of a Comprehensive Bike Insurance Policy
Here is a list of things that are covered under a comprehensive bike insurance policy:
- Third party liabilities are completely covered
- Damages caused due to any road accident will be covered
- Theft or total loss of bike is also covered (IDV is paid in such cases)
- Losses and damages caused due to fire, man-made and/or natural disasters are also covered
Here is a list of everything that is not covered under a comprehensive bike insurance policy:
- Damages caused due to illegal driving
- Damages occurring outside of the prescribed geographical area
- Normal wear and tear/depreciation caused by regular and frequent usage
- Electrical or mechanical breakdowns are not covered
FAQs
-
Q.1 Is zero dep better than comprehensive bike insurance?
Ans: Ideally, yes because it gives you a broader coverage without considering depreciation factor. A zero dep bike insurance will provide 100% cost cover for the damaged bike parts in an accident such as glass, fibre glass, denting, painting etc, except for tyres, tubes, and battery issues for which the insurer is liable to pay only 50% of the cost. -
Q.2 Should I buy zero dep after 5 years?
Ans: Several insurers do not offer the zero dep add-on once your bike is older than 5 years. However, you should buy a zero depreciation bike insurance policy if any insurer is offering it after checking the Terms and Conditions as it provides extra cover and higher compensation in case of damages caused to the insured bike in a road accidents -
Q.3 What is not covered in zero DEP?
Ans: Zero depreciation add-on cover does not cover regular bike maintenance costs, regular wear and tear, mechanical and electrical breakdowns, or any damages that are caused due to overspeeding or not complying to traffic rules.
Bike insurance companies
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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Read more^The renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.
^The buying of Insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for transaction may vary subject to additional data requirements and operational processes.
#Savings are based on the comparison between 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.
*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.
*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)
#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.
*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.
*Rs 457/- per annum is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial).The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively.Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The 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
