Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin
HomeBike InsuranceCompaniesNationalZero Depreciation
Key Features:
  • Right Green Tick No Inspection Needed
  • Right Green Tick Immediate Policy Issurance

Calculate Your Bike Insurance Premium Online

Select your Two wheeler brand

  • Hero
  • Honda
  • TVS
  • Bajaj
  • Yamaha

Which city is your Two wheeler registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your Two wheeler?

National Zero Depreciation Cover

The loss in value incurred by bikes over time is known as depreciation. Insurers take this depreciation under consideration and deduct a depreciation charge from the claim amount at the time of claim settlement. Policyholders cannot avoid the depreciation charge with a standard comprehensive plan or a standalone own damage plan, but the Zero Depreciation cover helps in getting rid of the depreciation sum.

The National comprehensive bike insurance policy offers an extensive coverage with the Zero Depreciation add-on cover. This cover prevents the insurer from charging any depreciation amount. It provides coverage for repair and replacement as well. Thus, with the Zero Depreciation cover added to the comprehensive bike insurance policy, the policyholders can avail maximum claim and zero additional expense.

Benefits of National Zero Depreciation Add-on Cover

  • Higher claim: By paying a little extra premium for the Zero Depreciation cover, the policyholders can enjoy the maximum claim. As no depreciation charge gets deducted with the Zero Depreciation cover, the policyholders can claim the entire sum.
  • Helps in saving money: The National Zero Depreciation add-on cover bears the expense of repairing and replacing the parts of the insured’s bike. Thus, the policyholder can save money which is to be spent on repairing and replacing bike parts.

Depreciation Rate Applicable on Bike With And Without Zero Depreciation Add-on

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%

Factors Affecting National Zero Depreciation Cover

The National Zero Depreciation cover provides many benefits to the policyholders, however, certain conditions should be taken under consideration:

  • The Zero Depreciation cover can be availed by bikes with the maximum age of 2 years
  • Policyholders can claim Zero Depreciation only twice during the policy tenure
  • Common wear and tear is not covered under the Zero Depreciation cover
  • This cover does not apply in the case of complete damage or loss.

Explore National Bike Insurance

Must Read Articles before buying National Bike Insurance

National Bike Insurance User Reviews

5.0
Rating based on
90 User reviews
Write your review
What users are saying
  • All
  • Zero Depreciation
  • Most Helpful
  • Comprehensive
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On
  • Dependable Claims Processing

    I believe in how reliable InsuranceDekho is when it comes to handling claims for my bike. I bought the National Insurance for my new scooter. They deal with my claims with transparency and professionalism. I am very happy with the services.

    Read More

    P
    By Pawan Agarwal
    On: June 4, 2024
  • Excellent Service

    I just got my two-wheeler insurance from National Insurance via Insurance Dekho, and it was super smooth. Easy comparison, hassle-free process. Highly recommend it!

    Read More

    S
    By Shivangi Sharma
    On: March 21, 2024
  • Chatbox feature

    I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased for my Honda Activa Scooter. I decided to use the chatbox feature of insurancedekho.com, to get my question answered. And I was so happy to see that all of my queries were solved with a quick response my questions were answered within a few minutes

    Read More

    B
    By Bahani Khanv
    On: February 10, 2023
  • Got claim settlement ratio det...

    I purchased a KTM RC 390 bike insurance policy with National insurance via InsuranceDekho's website as the website has all the information related to claim settlement ratios among different insurance companies. Information on the website about insurance companies is useful in making a decision.

    Read More

    R
    By Rahat Kalra
    On: January 23, 2023
  • Got claim settlement ratio det...

    I purchased a KTM RC 390 bike insurance policy with National insurance via InsuranceDekho's website as the website has all the information related to claim settlement ratios among different insurance companies. Information on the website about insurance companies is useful in making a decision

    Read More

    By Rahat Kalra
    On: January 19, 2023
  • Chatbox feature

    I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased for my Honda Activa Scooter. I decided to use the chatbox feature of insurancedekho.com, to get my question answered. And I was so happy to see that all of my queries were solved with a quick response my questions were answered within a few minutes

    Read More

    T
    By Tushar Singh
    On: January 18, 2023
  • Chatbox feature

    I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased for my Honda Activa Scooter. I decided to use the chatbox feature of insurancedekho.com, to get my question answered. And I was so happy to see that all of my queries were solved with a quick response my questions were answered within a few minutes

    Read More

    By Bahani Khan
    On: July 11, 2022
  • Got claim settlement ratio det...

    I purchased a KTM RC 390 bike insurance policy with National insurance via InsuranceDekho's website as the website has all the information related to claim settlement ratios among different insurance companies. Information on the website about insurance companies is useful in making a decision.-

    Read More

    K
    By Kunal Kalra
    On: June 27, 2022
  • Chat box feature

    I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased for my Honda Activa Scooter. I decided to use the chat box feature of insurancedekho.com, to get my question answered. And I was so happy to see that all of my queries were solved with a quick response my questions were answered within a few minutes

    Read More

    B
    By Bahani Khan
    On: June 27, 2022
  • Chatbox feature

    I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased for my Honda Activa Scooter. I decided to use the chat box feature of insurancedekho.com, to get my question answered. And I was so happy to see that all of my queries were solved with a quick response my questions were answered within a few minutes

    Read More

    B
    By Bahani Khan
    On: June 8, 2022
National Reviews

National Zero-Depreciation Add-on Cover FAQs

  • Does the National Zero Depreciation add-on cover consequential damage?

    No, the National Zero Depreciation add-on does not provide coverage for any consequential loss or damage caused to the insured’s bike under any circumstances. The policyholder will have to bear the cost of the consequential damage or loss.

  • Who should opt for the Zero Depreciation cover?

    Everyone can opt for the Zero Depreciation cover for extensive coverage. However, it is best suited for the following:

    • New bike owners
    • New or inexperienced bike drivers
    • Luxury bike owners
    • Owners or drivers living in the accident-prone zones.

  • Does the Zero Depreciation cover need to be renewed each time I renew the policy?

    Yes, you need to renew the Zero Depreciation cover each time you renew your comprehensive bike insurance policy. You will not be able to avail the benefits of the cover without renewing it timely.

  • WIll the National Zero Depreciation add-on cover the repairing cost of fibre glass and glass parts?

    The National Zero Depreciation add-on will provide coverage for the fibre glass parts but the glass parts are not included under this add-on. The depreciation rate of fibre glass without the Zero Depreciation cover is 30% and with the Zero Depreciation cover is nil.

  • Can I add the Zero Depreciation cover during the renewal of my policy?

    Yes, you can add the Zero Depreciation cover at the time of renewal provided you have opted for the comprehensive bike insurance policy. The Zero Depreciation cover can be added in the middle of the policy tenure as well.

FAQ
must dotmust graphics

Why to buy from InsuranceDekho?

  • Instant policy# within 5 mins
  • More than 50 lakhs happy customers
  • Claim Support available all 7 days of the week

National Bike Insurance Contact Details

For any assistance or query, call us on:

Bike Insurance News

News
National Bike insurance starting from ₹ 714/year*
or
Proceed without bike numberI have a brand new bike

Partner Bike Insurance Companies

Two Wheeler Insurance Companies

Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.

Calculate your Two Wheeler IDV

You may also be interested in

    Zero Depreciation Bike Insurance

    Related News

    Bike Insurance News

    Become Vehicle Insurance Agent

      National Bike insurance starting from ₹ 714/year*
      or
      Proceed without bike numberI have a brand new bike

      Bike Insurance starting from
      ₹1.5/day*

      I agree to *terms & conditions  and privacy policy.
      Don’t know your car number? Click here
      close
      #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.