Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
Key Features:
  • No Inspection Needed
  • 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?

Have you made a insurance claim in the previous year?

Tata AIG Zero Depreciation Cover

Tata AIG bike insurance offers the Zero Depreciation add-on cover along with the comprehensive and standalone own-damage bike insurance plans to its policyholders for maximum protection. With the Zero Depreciation cover added to the insurance policy, policyholders can avoid the depreciation charge.

Reduction in the value of any bikes occurs over time. The policyholders are liable for the reduction in value. Therefore, insurers deduct a pre-decided amount from the entire claim sum for the reduction in value. However, the Zero Depreciation cover allows the policyholders to avail the complete coverage without factoring in any depreciation. By opting for the Zero Depreciation cover along with the Tata AIG bike insurance policy, you can get maximum coverage in turn of paying a little extra premium.

Benefits of Tata AIG Zero Depreciation Add-On Cover

You can enjoy the following benefits with zero depreciation cover offered by Tata AIG General Insurance:

  • Higher claim amount: No sum gets deducted as the depreciation charge which allows policyholders avail entire claim amount.
  • Helps Save money: The Zero Depreciation add-on provides protection against depreciation and damages caused to the bikes. By paying a little extra for the premium, the policyholders save money by getting the entire amount of claim and do not have to pay for any damage. Thus, this add-on helps in saving money.

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 Tata AIG Zero Depreciation Cover

Despite the various advantages, the Tata AIG bike Zero Depreciation cover comes with a few conditions, which are mentioned below:

  • This add-on is applicable for select makes and models
  • Zero Depreciation claim can be made only twice during the policy tenure
  • Insured bikes with the age of maximum 2 years can avail the Zero Depreciation cover
  • Normal wear and tear, damage due to uninsured peril and mechanical breakdown are excluded from this cover.

Must Read Articles before buying Tata Aig Bike Insurance

Tata AIG Bike Insurance 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

38 Tata Aig Cashless Garages in India

Tata AIG Bike Zero Depreciation Add-on FAQs

  • Can I get Zero Depreciation along with the third party insurance policy?

    You can avail the Zero Depreciation cover only with the Tata AIG comprehensive and standalone own-damage bike insurance policies. The third party bike insurance policy does not offer Zero Depreciation or any other add-ons.

  • I do not live in an accident-prone area, do I still need to get the Zero Depreciation add-on cover?

    Not living in the accident-prone zone reduces the chances of getting into accidents, however, it doesn’t get rid of the factor completely. Therefore, Zero Depreciation cover benefits people living in the accident-prone zone as well as people not living in the accident-prone zone.

  • Who should opt for the Zero Depreciation Cover?

    Any bike owner can opt for the Zero Depreciation for availing the maximum coverage. However, this add-on is best suited for

    • New bikes
    • New/inexperienced drivers
    • Owners with luxury bikes
  • Can I add the Zero Depreciation cover to my policy online?

    Yes, you can add the Zero Depreciation cover to your policy online, by visiting the official website of Tata AIG bike insurance. You can add the Zero Depreciation cover to a new policy or to an existing policy. The cover can be added during the renewal as well.

  • Does Zero Depreciation add-on cover replacement of tyres?

    Zero Depreciation add-on does not provide for repairing or replacing tyres. The depreciation charge for tyres with or without Zero Depreciation add on is 50%.

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

Tata AIG Bike Insurance Contact Details

For any assistance or query, call us on:

Bike Insurance News

Calculate your Two Wheeler IDV

Cashless Garages in Popular Cities

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