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 Is the Zero Depreciation Cover an Enhancing Factor for Comprehensive Bike Insurance? 

As a two-wheeler owner, when you compare two-wheeler insurance online, you typically look for the most comprehensive bike insurance policy that protects your bike against any future damages. 

You can even customise or enhance the existing comprehensive coverage by opting for add-ons. One such add-on is the Zero Depreciation Cover. In this article, we will discuss if Zero Depreciation Cover serves as an enhancing factor for comprehensive insurance for bikes.

What is Bike Insurance Comprehensive Cover ?

Before knowing more about zero depreciation cover, let’s familiarise ourselves with comprehensive bike insurance. Comprehensive policy in bike insurance not only covers own damages caused to the two-wheeler but also ensures protection against any third-party liability. 

It covers damages caused due to accidents, theft, fire or natural disasters, etc., making it all-encompassing insurance coverage for your bike. Although third-party bike insurance has been made mandatory by the law, opting for a comprehensive two-wheeler insurance policy is wiser.

 What is Zero Depreciation Cover? 

Even though your vehicle, both two-wheelers and cars, is considered an asset, there is a factor that differentiates it from other asset types like land or property. The quality and value of a two-wheeler or car depreciates with time. 

Zero depreciation is not an insurance policy but more of an add-on coverage within comprehensive bike insurance. Over time, when you own a two-wheeler, it results in a certain degree of damage to its quality, commonly known as depreciation.

This leads to value deduction of the two-wheeler. This type of add-on coverage covers the costs of value deduction over time.

 Importance of Zero Depreciation Coverage 

Purchasing a two-wheeler has become quite expensive. Comprehensive bike insurance financially safeguards your vehicle against damage from accidents, natural disasters, fire, or third-party accountability. It does not cover the depreciation value of your vehicle.

Without the add-on of the zero depreciation cover, your comprehensive insurance policy will only reimburse the depreciated value of the damaged parts during a claim.

Zero depreciation coverage ensures the policyholders get reimbursement for the full cost of repairing or replacing damaged parts without the deduction of the depreciation value.

 Conditions that come with Zero Depreciation Cover 

  1. In the case of complete damage to the two-wheeler, the zero depreciation add-on insurance does not cover it.
  2. During the duration of the policy period, this add-on cover can only be claimed twice.
  3. Zero depreciation add-on cover can only be claimed if the damage caused to the vehicle is accidental.
  4. If the two-wheeler gets stolen, the Zero depreciation add-on insurance does not cover it.

 Benefits of having Zero Depreciation Insurance for Bike 

There are several benefits of having zero depreciation cover for a bike. Let’s examine some of these benefits:

  1. This policy covers the claim of any damage repairs or replacements without the deductions of depreciation. Giving the policyholders maximum benefits from the policy.
  2. This policy has proven to be quite cost-effective in the long run, especially considering the impact that new high-value bikes have during claim settlements.
  3. This policy allows policyholders to have peace of mind knowing their two-wheeler is well protected even with the value deduction due to time.
  4. It is available at an affordable added premium to your comprehensive bike insurance policy.

  How  to get Zero Dep cover in your Insurance Policy Online 

In today’s digital world it has become quite easy and convenient to get cover for your insurance policy online. Here are some steps you can follow:

  1. Browse through the insurance websites of your preferred insurance provider.
  2. Locate the motor or car insurance section.
  3. Enter your bike registration number.
  4. Fill in your bike details like registration year, make and model, RTO, etc.
  5. Select an insurance policy plan that suits your preferences.
  6. Select Zero Dep cover from the add-on options given.
  7. Pay for your insurance premium.
  8. Download and save the policy document for future reference.


With the zero depreciation cover, the comprehensive insurance policy reimburses the entire cost of repairing or replacing damaged parts without considering depreciation. Hence, we can conclude that zero dep cover enhances your comprehensive two-wheeler insurance policy. Policyholders can easily buy bike insurance online along with add on covers like  Zero Dep cover for a robust insurance policy.

Cary Grant
Cary Grant
Cary Grant, the enigmatic wordsmith hailing from the UK, is a literary maestro known for unraveling the intricacies of life's myriad questions. With a flair for delving into countless niches, Grant captivates readers with his insightful perspectives on issues that resonate with millions. His prose, a symphony of wit and wisdom, transcends boundaries, offering a unique lens into the diverse tapestry of human curiosity. Whether exploring the complexities of culture, unraveling philosophical conundrums, or addressing the everyday mysteries that perplex us all, Cary Grant's literary prowess transforms the ordinary into extraordinary, making him a beacon of intellectual exploration.

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