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Digit Zero Depreciation Add-on

Like every other commodity, your car is also subject to depreciation. This devaluation due to depreciation affects the market value of the vehicle as well as diminishes the amount which you receive at the time of an insurance claim settlement.

However, by purchasing a zero depreciation add-on cover from Digit General Insurance with a comprehensive car insurance policy you can shift your liability of bearing the cost of depreciation of your car and its parts to the insurer. The Digit zero depreciation cover allows you to get full claim amount without any deduction for depreciation of your car.

Benefits Of Digit Zero Depreciation Insurance

You will have to pay an extra premium for the zero depreciation add-on cover, which helps in increasing the existing insurance cover. Here are some benefits of Digit car zero depreciation cover:

1. Adds More Protection: Zero depreciation add-on gives additional coverage to enhance the existing cover provided under a car insurance plan. This provides extensive coverage as this helps in availing a claim settlement amount without considering the depreciation deductions.

2. Higher Claim: If you select this cover with your car insurance plan it will increase your policy coverage. This cover curbs the expenses from your pocket which policyholders may have to bear while filing the claim. It also reduces the risk of a lower claim amount, as with this cover the claim is calculated without deducting the depreciation.

3. Saves Money: When you buy a zero depreciation cover for your car insurance policy, the premium increases slightly in situations of an unforeseen event, no depreciation deductions will be comprised in the car insurance claim as the claim amount is to be calculated without taking depreciation into the consideration that helps policyholders eventually to save money.

Depreciation Rate Applicable on Car With And Without Zero Depreciation Add-on

Age of Car

Rate of Depreciation Without Zero Depreciation

Rate of Depreciation With Zero Depreciation

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 Car

Rate of Depreciation Without Zero Depreciation

Rate of Depreciation With Zero Depreciation

Paint Work /Rubber/Nylon/Plastic parts, tires and tubes, batteries and airbags parts



Fibre glass parts



Glass parts



Factors Affecting Digit Zero Depreciation Cover

Digit Zero Depreciation comes with multiple benefits provided that the following conditions are fulfilled:

  • It is not available for cars of more than 5 years of age
  • A maximum of 2 claims is admissible during the policy period.
  • It is not applicable for theft, CTL and TL of the insured vehicle.

What Is Included Under a Digit Car Insurance Policy with Zero Depreciation Cover?

Here are some aspects that are covered under a Digit car insurance policy with Zero Depreciation Cover:

  • Coverage for car parts is given to the policyholder such as nylon, rubber, fibreglass and plastic parts.
  • A car insurance plan with a zero depreciation cover gives coverage for partial damages to the battery and tyres without considering the depreciation.
  • Cost of repairs or replacement of car parts are borne at the time of claim settlement and it is provided to the policyholder.
  • Policyholders can include the zero depreciation add-on cover to the policy at the time of renewal or the purchase of the car insurance policy.

What Is Not Included Under a Digit Car Insurance Policy with Zero Depreciation Cover?

Given below are some aspects that are not covered under a Digit car insurance policy with Zero Depreciation Cover:

  • Damage to an insured car caused due to mechanical faults or any sort of failure
  • Loss or total damage incurred by the insured car is not covered or compensated for.
  • Damage to the uninsured parts like tyres, gas kits or b-fuel kit is not covered.
  • Routine ageing/wear and tear of the car are not covered or compensated for.

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Digit Zero Depreciation Cover FAQs

  • What is not covered by the Zero Depreciation Add-on?

    Under the Digit zero depreciation add-on, claims for car tyres, battery lubricants are covered at 50% and not at 100% like all the other car parts. Also, uninformed modifications to the vehicle are not covered by Zero Depreciation Add-on cover.

  • What factors should I consider before opting for a zero depreciation add-on cover?

    You should consider the following factors at the time of opting a zero depreciation add-on cover:

    • Age of the car
    • Model and variant of the vehicle
    • Frequency of selling or buying a new car
    • The value of the parts in your vehicle

  • Can I choose the claim in which I want to use the zero depreciation benefits?

    Yes, it is up to the policyholders to decide whether they want to pay for the cost of depreciation of the replaced/repaired parts or not for a particular claim.

  • Can I opt for Zero Depreciation add-on for a secondhand car?

    Yes, you can avail the zero depreciation add-on cover for your secondhand car provided its age does not exceed 5 years. To ensure the condition of the car, the company can even conduct an inspection to allow the inclusion of add-on cover to your policy.

  • Should I renew the zero depreciation cover every time I renew my comprehensive car insurance policy?

    Yes, you will have to renew your zero depreciation cover every time you renew your comprehensive car insurance policy provided it fulfils the conditions of zero depreciation add-on cover at the time of renewal.

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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.