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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

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 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.

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Tata AIG Bike Insurance User Reviews

4.9
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385 User reviews
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    When my bike’s chain broke down unexpectedly, I was feeling helpless. Thanks to my comprehensive TATA AIG bike insurance, I could get roadside assistance immediately. InsuranceDekho helped me with the entire process.

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    By Priya Malhotra
    On: June 20, 2024
  • User-Friendly Website

    I'd tell anyone who wants to buy bike insurance to use InsuranceDekho's website. It is very easy to use, and I got my Tata Aig bike policy very quickly.

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    On: March 2, 2024
  • Comparing different policies w...

    Comparing various types of insurance policies on InsuranceDekho was convenient. The table present here made it even easier. So glad that I chose the website to issue the Tata AIG bike insurance policy for Kawasaki Ninja 300 BS4.

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    On: February 28, 2023
  • Comparing different policies w...

    Comparing various types of insurance policies on InsuranceDekho was convenient. The table present here made it even easier. So glad that I chose the website to issue the Tata AIG bike insurance policy for Kawasaki Ninja 300 BS4.

    Read More

    S
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    On: February 23, 2023
  • Time convenient website.

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    On: February 10, 2023
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    On: February 7, 2023
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    By Mani Lamba
    On: February 1, 2023
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    On: January 23, 2023
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    By Max
    On: January 20, 2023
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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%.

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