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DHFL Zero Depreciation Cover

The depreciation in the value of a bike over time is taken into account during the calculation of the claim amount. Every insurer deducts depreciation charges from the claim amount at the time of claim settlement. Opting for a Zero Depreciation cover prevents the deduction of depreciation charges. DHFL offers the Zero Depreciation cover along with a standalone own damage and a comprehensive bike insurance policy.

DHFL Zero Depreciation cover ensures the policyholder to get the maximum claim amount. It provides the facility of free of cost repair and replacement of the depreciable parts of the insured’s bike.

Benefits of DHFL Zero Depreciation Cover

  • Higher claim: With the Zero Depreciation add-on included in the standalone own damage or comprehensive bike insurance policy, the insurer does not deduct any depreciation charges from the claim money. It ensures the policyholders to enjoy the maximum claim amount.
  • Helps save money: Opting for the Zero Depreciation cover may result in a slight increase in the premium amount but it ensures maximum coverage. Under this cover, the free repair and replacement of the depreciated bike parts can be availed.

Zero Depreciation Insurance vs Normal Insurance

Age of bike

Rate of Depreciation Without Zero Depreciation cover

Rate of Depreciation With Zero Depreciation cover

Under 6 months

Nil

0%

6 months to 1 year

5%

0%

1-2 years

10%

0%

2-3 years

15%

0%

3-4 years

25%

0%

4-5 years

35%

0%

5-10 years

40%

0%

Above 10 years

50%

0%

Part of bike

Rate of Depreciation Without Zero Depreciation

Rate of Depreciation With Zero Depreciation

Rubber/nylon/ plastic parts

50%

0%

Fibre glass parts

30%

0%

Glass parts

Nil

0%

DHFL Zero Depreciation Cover Conditions

DHFL Zero Depreciation comes with multiple benefits provided that the following conditions are fulfilled:

  • The age of the bike should not exceed 3 years.
  • This cover can be claimed only twice in the entire policy tenure.
  • Repair and replacement due to common wear and tear do not get covered.
  • Coverage is not provided in cases of total loss, mechanical and electrical breakdown of the insured’s bike.

Explore Dhfl Bike Insurance

Must Read Articles before buying Dhfl Bike Insurance

DHFL Bike Insurance User Reviews

5.0
Rating based on
272 User reviews
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What users are saying
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  • Valuable expert advice

    I received some valuable expert advice on InsuranceDekho while I was looking for add-on covers to enhance the coverage of my DHFL bike insurance plan. The policy is issued for KTM 390 Adventure. Based on the advice, I bought a Zero Depreciation cover.

    Read More

    A
    By Arnav Naueshwara
    On: February 23, 2023
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: July 18, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: June 29, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: June 22, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: June 3, 2022
  • The reminder feature on the we...

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: May 20, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: March 11, 2022
  • Insurance within budget

    I wanted to purchase a bike insurance policy that provided me good coverage and fit in my budget, while looking for one I landed on InsuranceDekho’s website. Here I was able to compare several bike insurance policies which were affordable and provided good coverage. I purchased a Navi bike insurance policy for my Suzuki Let’s.

    Read More

    L
    By Lokesh Yadav
    On: February 2, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, that the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: February 1, 2022
  • Renewed the policy in a few mi...

    I renewed my Navi comprehensive bike insurance policy for my Harley Davidson V Rod in very little time with the guidance of the InsuranceDekho assistance team. I had to follow some simple steps to get it done in very little time. Thanks to the team.

    Read More

    P
    By Pritish Sachdeva
    On: January 24, 2022
Dhfl Reviews

2 Dhfl Cashless Garages in India

Dhfl Cashless Garages

DHFL Zero-Depreciation Add-on Cover FAQs

  • Does the Zero Depreciation add-on provide coverage for plastic parts of bikes?

    Yes, the Zero Depreciation add-on provides coverage for the plastic parts of the insured’s bike. The rate of depreciation for plastic parts without the Zero Depreciation charge is 50%, but in presence of the Zero Depreciation cover, the depreciation charge is not taken into account.

  • Does my premium increase if I opt for Zero Depreciation cover?

    Yes, the premium increases by 15-20% for opting DHFL Zero Depreciation cover along with the standalone or comprehensive bike insurance policy.

  • Is Zero Depreciation cover beneficial for a luxury bike?

    Yes, it is beneficial to opt for Zero Depreciation cover for a luxury bike as it helps to prevent financial expenditure on expensive depreciable parts of the bike.

  • Which depreciable bike parts are covered under DHFL Zero Depreciation cover?

    DHFL Zero Depreciation cover provides coverage for the repair of the following bike parts:

    • Rubber
    • Nylon
    • Plastic
    • Fibre glass

  • Does a Zero Depreciation cover ensure full claim amount?

    No, opting for a Zero Depreciation cover does not ensure full claim amount as deductibles are factorized while calculating the claim amount. Zero Depreciation waivers only the depreciation charges ensuring maximum claim amount.

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