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Difference Between Zero Depreciation And Comprehensive Bike Insurance Cover

Updated On Jul 16, 2021

This article highlights the difference between a zero depreciation cover and a bike insurance cover. It begins by introducing the meaning of the two terms and then explains the details in a table format.

Zero depreciation cover and comprehensive insurance are both parts of bike insurance and refer to different types of coverage. Choosing the right coverage  for your bike  is crucial as it goes a long way in financially securing all kinds of damages sustained by your bike due to an accident. The first step towards buying a right cover comes from being informed about it and so, in this article we are going to tell you about the differences between a zero depreciation and comprehensive bike coverage

Difference Between Zero Depreciation And Comprehensive Bike Insurance Cover

What Is A Zero Depreciation Cover? 

A Zero Depreciation Cover is a bike add-on cover that you can  include in your bike insurance policy by paying a nominal extra fee. It ensures that the damage caused to your bike over the years is not accounted for and you continue to receive comprehensive coverage without determining its depreciating value. 

What Is A Comprehensive Bike Cover?

A comprehensive cover refers to the complete financial protection that you receive for yourself as well as your bike for any damages or injuries sustained by either of the two due to an accident. This insurance cover also pays for third party liabilities and offers double protection against any kind of extra costs on your behalf. 

Now let us look at the differences between these two types of insurance cover. 

Point Of Difference 

Zero Depreciation Cover

Comprehensive Cover


A zero depreciation cover shields you against the depreciation incurred by your bike with time. By default, depreciation charges are deducted from claim amount at the time of a claim settlement. However, if you have a zero depreciation cover, you need not pay for the depreciation expenses.

The coverage provided by a comprehensive cover includes the financial protection for damages sustained by your bike due to an accident and third party liabilities. It does not cover depreciation expenses by default.

Claim Amount

The claim amount under a zero depreciation cover is higher as it does not take into account the depreciation or reduction in value of your bike and its damaged machine parts. 

The claim amount under a comprehensive cover is low since it takes into account all the damaged parts of your bike that need repair or replacement. 

Compensation For Plastic Parts

Under a zero depreciation add-on cover, you can receive compensation plastic parts, in case they are damaged due to an accident. 

Under a comprehensive cover, damaged plastic or fibre parts are not compensated. Instead an up to 50% depreciation value is deducted before paying the claim amount.

Take Away 

The differences highlighted above clearly state the benefits of incorporating a zero depreciation add-on cover under a comprehensive insurance cover. If you do not buy a zero-depreciation cover, you can receive a much lesser claim amount and will not be compensated adequately for damaged machine parts after an accident. Accidents arrive unannounced and so it is crucial for you to secure your car with a combination of both comprehensive and zero depreciation cover to protect yourself and the repair of your bike from sudden financial exigencies. 

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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