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Zuno Zero Depreciation Cover

With time, the value of your bike depreciates. A standard standalone own-damage bike insurance policy or comprehensive bike insurance covers your damages or losses but offers compensation after deducting depreciation from the claim amount at the time of bike insurance claim settlement. In simple terms, the Zuno zero depreciation add-on cover helps the policyholders to do away with the depreciation expenses incurred by their bike. It allows policyholders to receive the complete amount of claim in case of any damage for the replacement of parts of the insured bike or scooter. However, this add-on cover is not applicable to total loss, constructive total loss, or theft of the insured vehicle.

Benefits of Zuno Zero Depreciation Add-On Cover

You can avail the below-given benefits with zero depreciation add-on covers provided by the Zuno General Insurance:

  • Maximum Claim Amount: With the zero depreciation add-on cover added to a standalone own-damage bike insurance policy or a comprehensive bike insurance policy, policyholders can claim the complete sum insured amount without facing any deduction for depreciation charge.
  • Helps Save Money: The zero depreciation add-on cover is designed to protect your claim amount against depreciation. By paying an additional amount of premium, the policyholders can avail this benefit to get a complete claim amount. The depreciation amount which you get in a claim with this cover is generally more than the amount of premium to opt for zero depreciation add-on cover, which ultimately 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



Fiberglass parts



Glass parts



Factors Affecting Zuno Zero Depreciation Cover

The Zuno zero depreciation add-on cover comes with several and huge benefits, but there are a few conditions that policyholders should keep in mind while availing this facility such as:

  • This add-on cover is applicable only for a bike less than 7 years old
  • The cover is applicable only for the first 2 claims during the policy period.
  • The first 10% of the claim amount will be deducted if the bike is repaired at a non-network garage.

Must Read Articles before buying Zuno Bike Insurance

Zuno Bike Insurance User Reviews

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What users are saying
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  • Excellent Guidance

    When my bike was stolen, I was worried about the expenses. My friend recommended InsuranceDekho, and they provided excellent guidance on how to claim my ICICI bike insurance. The whole process was hassle free, and I got my claim settled without any issue.

    By Simran Kaur
    On: July 2, 2024
  • Smooth Claim Experience

    I was on a trip to Shimla when my bike’s tire got punctured. I had Reliance bike insurance, and with InsuranceDekho’s help, the claim process was smooth. The reimbursement was quick, and I didn't have to worry about the costs at all.

    By Nikhil Patil
    On: July 1, 2024
  • Reliable Service

    My bike’s chain broke while on a trip, and I was worried about the repair costs. Luckily, my GoDigit Insurance policy covered it. With InsuranceDekho’s help, I filed a claim and got it approved. The support was reliable and efficient.

    By Rohan Verma
    On: June 27, 2024
  • Helpful Services

    I needed to get my bike’s engine repaired, and the costs were covered under my Reliance bike insurance. InsuranceDekho provided good guidance, and the claim approval took very less time. I’m really satisfied with their customer service.

    By Sneha Rao
    On: June 27, 2024
  • Quick Customer Support

    My bike’s battery died unexpectedly last week. I called InsuranceDekho for assistance with my ICICI bike insurance. They helped me get in touch with a mechanic, and I didn’t have to pay the repair costs.

    By Vikram Chawla
    On: June 27, 2024
  • Good Assistance

    I was confused about the coverage of my HDFC bike insurance when my bike had a mechanical failure. InsuranceDekho helped me understand my policy. They guided me through the claim process and finally, the claim was settled.

    By Priya Mehta
    On: June 26, 2024
  • Efficient Claim Process

    My bike got into a minor accident, and the repair costs were very high. Thankfully, I had my GoDigit bike insurance. With the help of InsuranceDekho, I filed a claim, and it was processed very quickly. I didn’t have to pay anything out of pocket.

    By Ankit Sharma
    On: June 26, 2024
  • Quick Claim Settlement

    A recent mishap damaged my bike’s seat. I have a Reliance bike insurance policy which I got through InsuranceDekho. The claim settlement was quick, and I got my bike back in shape easily.

    By Sneha Patel
    On: June 25, 2024
  • Affordable Premiums

    I’ve been renewing my ICICI bike insurance policy for the past two years through InsuranceDekho. The premiums are affordable and the no-claim bonus has helped me save a lot of money.

    By Kunal Verma
    On: June 25, 2024
  • Timely Assistance

    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.

    By Priya Malhotra
    On: June 20, 2024

Zuno Zero Depreciation Cover FAQs

  • Can I take a zero depreciation add-on cover for my old bike?

    You can avail this zero-depreciation add-on cover offered by Zuno General Insurance for your bike only if its age is not more than 7 years.

  • How many times can a customer claim for the benefit?

    Zuno General Insurance allows its customers to make 2 claims during the policy period.

  • How can I benefit by purchasing zero-depreciation add-on cover?

    The zero depreciation add-on cover allows the policyholder to claim the original value of their bike without any deduction for depreciation. The amount depends on the Insured Declared Value (IDV) which is finalised at the time of policy purchase or during the renewal.

  • Will zero-depreciation add-on cover provide coverage for total damage?

    The Zuno zero depreciation add-on cover will not provide coverage for the total damage of the insured bikes. The case of a total loss is also excluded from this add-on coverage.

  • With which insurance cover can I buy a zero depreciation cover?

    The zero depreciation add-on cover can be bought only along with a standalone own-damage bike insurance policy or a comprehensive bike insurance policy.

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Zuno Bike Insurance Contact Details

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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.