What is Zero Depth Car Insurance? Meaning & Benefits Explained,

What's the difference between zero-depth and comprehensive car insurance?

A comprehensive policy provides basic protection, but depreciation is deducted based on wear and tear. Zero-depth is an add-on cover that stops this depreciation deduction and provides a full claim.

Is zero depreciation insurance available for all cars?

No, most insurance companies only offer zero depreciation cover for cars up to 5 years old. Some companies also offer select options for older cars at a special premium.

Does the Zero Depth Cover also cover the vehicle's tyres, tubes and engine oil?

No, consumables like tyres, tubes and engine oil are generally not included in the standard Zero Depth Cover. You need to buy a separate Consumables Cover for these.

Is the premium for zero depth cover higher than regular insurance?

Yes, the premium for a policy with a zero depth add-on is about 15% to 20% higher than a regular policy, but it offers significant savings at the time of claim.

Is there a limit on the number of claims you can make under this cover?

Yes, under a zero depreciation policy, you can claim the full amount without deducting depreciation, only a limited number of times in a year (usually two claims).

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