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Royal Sundaram Zero Depreciation Cover

Over time bikes suffer a loss in their value like any other asset. This loss in value is known as depreciation. The insurance providers take this loss into account and deduct the depreciation charge from the claim amount at the time of claim settlement. By default, a standard comprehensive plan or Standalone own-damage plan fails to provide coverage for the depreciation charge but a Zero Depreciation cover helps get rid of this deduction.

The Royal Sundaram Zero Depreciation add-on cover allows the policyholders to get rid of the depreciation charge. Moreover, it bears the expense of repairing and replacing depreciated bike parts. Thus, the policyholders get the chance of availing the entire claim amount without spending losing any amount as depreciation charge.

Benefits of Royal Sundaram Zero Depreciation Add-On Cover

  • Higher claim: The insurer does not charge any amount from the claim amount for depreciation with the Zero Depreciation added to the comprehensive policy. Thus, it allows the policyholders to claim the entire amount at the time of claim settlement.
  • Helps in saving money: As the replacement of depreciated bike parts is covered under the zero depreciation insurance plan, it helps policyholders to save the money which they could have spent on replacement of 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



6 months to 1 year



1-2 years



2-3 years



3-4 years



4-5 years



5-10 years



Above 10 years



Part of bike

Rate of Depreciation Without Zero Depreciation

Rate of Depreciation With Zero Depreciation

Rubber/nylon/ plastic parts



Fibre glass parts



Glass parts



Factors Affecting Royal Sundaram Zero Depreciation Cover

The Royal Sundaram Zero Depreciation cover is highly beneficial; however, policyholders must keep the following conditions in mind:

  • Normal wear and tear is excluded from this cover
  • This add-on is not applicable in case of complete loss or damage
  • Bikes with the maximum age of 2 years can avail the Zero Depreciation Cover
  • Policyholders can claim the Zero Depreciation only twice during the entire tenure.

Must Read Articles before buying Royal Sundaram Bike Insurance

Royal Sundaram Bike Insurance User Reviews

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Royal Sundaram Zero-Depreciation Add-on Cover FAQs

  • Does Zero Depreciation provide cover for any damage outside the geographical zone?

    Zero Depreciation cover will provide coverage only in the geographical area and not for any incident occurred outside the area. The Royal Sundaram comprehensive bike insurance policy with or without the Zero Depreciation add-on has a pre-decided geographical limitation for each policyholder.

  • Do I have to renew the Zero Depreciation cover each time I renew my policy?

    Yes, you will have to renew the Zero Depreciation cover each time you renew your comprehensive policy. However, you can pay the complete premium of your policy along with the Zero Depreciation at the time of purchase. It will free you from the hassle of renewal.

  • Who should opt for the Zero Depreciation Cover?

    Any bike owner should opt for the Zero Depreciation add-on to avoid the depreciation charge and the expense of repairing or replacing bike parts. However, it is best suited for luxury bike owners and new drivers.

  • How can I add the Zero Depreciation cover to my policy?

    You can add the Zero Depreciation cover to your policy in the following ways

    • Visit their official website
    • Dial their toll-free number 1860 425 0000
    • Visit the nearest branch

    You can add this cover to your comprehensive bike insurance policy at the time of purchase, renewal or in the middle of the tenure.

  • Does the Zero Depreciation cover provide for plastic parts of bikes?

    Yes, the Zero Depreciation provides coverage for the plastic parts of the insured bike. The rate of depreciation for plastic parts without the Zero Depreciation charge is 50%. But with the Zero Depreciation cover, the charges become nil.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.