When buying or renewing a vehicle insurance policy, one of the most confusing parts is understanding the difference between a Comprehensive Plan and a Zero Depreciation (Zero Dep) add-on. Many assume these are two separate types of insurance — but that’s not entirely accurate. Let’s break it down in simple terms.
🚗 What is Comprehensive Insurance?
A Comprehensive Vehicle Insurance policy offers coverage for both:
- Third-party liabilities (required by law)
- Own-damage to your car or bike due to accidents, theft, fire, natural disasters, etc.
It’s the most recommended type of plan because it protects you from a wide range of financial losses — not just those affecting others, but also your own vehicle.
🔧 What is Zero Depreciation?
Zero Depreciation, or Zero Dep, is not a separate policy — it’s an add-on cover you can purchase along with a comprehensive plan.
Normally, insurers deduct depreciation on plastic, metal, and rubber parts when settling a claim. With Zero Dep, you get full reimbursement without those deductions. This means you spend little to nothing out of pocket during repairs.
✅ Key Differences: Zero Dep vs. Basic Comprehensive
| Feature | Comprehensive Only | With Zero Dep Add-on |
|---|---|---|
| Own damage cover | ✅ Yes | ✅ Yes |
| Depreciation deduction | ❌ Yes | ✅ No (full claim paid) |
| Premium cost | 💰 Standard | 💰 Slightly higher |
| Best for | Regular vehicles | New cars, high-value vehicles |
🎯 Our Recommendation
If your vehicle is less than 5 years old, especially if it’s a new or premium model, opting for the Zero Depreciation add-on is a smart move. It saves you thousands during claims and ensures peace of mind. While the premium is a bit higher, the benefits far outweigh the cost in case of an accident.
At VehicleInsurance.co.in, we help you compare plans that include Zero Dep and guide you to the best-value options — with added cashback when you purchase through us.