Zero Depreciation vs Comprehensive Car Insurance: Claim Cost Guide

In this short

• CAR INSURANCE Zero Depreciation Vs Comprehensive Insurance A practical guide to what changes in your repair claim and what does not.
• THE BASICS Zero Dep Is An Add-On Comprehensive or own-damage cover comes first; zero dep changes depreciation treatment.
• CLAIM MATH A ₹12,000 Part Can Lose ₹6,000 ₹6,000 SBI General's illustrative example applies 50% depreciation to an eligible ₹12,000 plastic part.
• POLICY CHECK Claim Limits And Exclusions Matter Deductibles, consumables, non-approved work and add-on claim limits can still leave a balance.
• TOTAL LOSS IDV Is A Separate Question 75% of IDV The current ICICI Lombard wording uses this constructive-total-loss threshold; policy terms govern.
• RENEWAL CHECK Read The Schedule Before Paying Confirm the base cover, eligibility, claim count, parts, deductibles and IDV.
• READ THE FULL GUIDE Get the complete breakdown Numbers, comparisons and what to check next.