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Insurance May 2026 · 8 min read

Comprehensive vs Zero-Depreciation Car Insurance: Bumper-to-Bumper Breakdown

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Renjith Pillai

Senior Systems Architect & Financial Analyst

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Standard car insurance deducts heavy depreciation (50% on plastic/rubber, 30% on fiber, 10-50% on glass/metal) during accident claims. A Zero-Depreciation add-on pays 100% replacement cost.

Depreciation Deduction Table

Without zero-dep cover, a ₹50,000 bumper repair costs you ₹25,000 out of pocket due to 50% rubber/plastic depreciation rules under Indian Motor Tariff rates.

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Frequently Asked Questions

Up to what car age can I buy Zero-Depreciation cover?+
Most Indian insurers offer zero-dep add-ons for cars up to 5 years of age (some extend to 7 years).
Does zero-dep cover engine water damage?+
No, engine damage due to water ingress requires a separate Engine Protect add-on cover.

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R

Renjith Pillai

Senior Software Engineer & Network Specialist

Renjith Pillai is a senior software engineer and financial tools author with over 12 years of experience. He built EasyCalcs.in to provide high-precision, privacy-first technical tools and financial calculators for investors, engineers, and consumers.