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National Zero Depreciation Add-on

Depreciation is a natural process and like all other things it affects your car too. With age, your car’s market value depreciates due to wear and tear. And this cost of depreciation is borne by the car owner at the time of a claim settlement in the absence of a zero depreciation cover.

However, by opting for a zero depreciation you can safeguard yourself from the liability of paying for the cost of depreciation. The zero depreciation add-on shifts the liability of bearing depreciation cost from car owner to the insurer.

Benefits of National Zero Depreciation Add-on

Less liability: The Zero Depreciation add-on cover offered by National Insurance saves you from bearing the cost of depreciation during a claim settlement. This means that the company will have to pay the claim amount without deducting the depreciation from it. This enables you to get a higher claim amount.

Extended Coverage: The Zero Depreciation add-on cover provides a depreciation coverage for all parts of your car at 100%, except tyres, tubes and batteries which get insured at 50%.

Depreciation Rate Applicable on Car Without Zero Depreciation Cover

Age of Car

Rate of 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


Depreciation Rate Applicable on Different Parts of Car Without Zero Depreciation Cover

Part of Car

Depreciation Rate

Paint work / Rubber / nylon / plastic parts, tires and tubes, batteries and airbags parts


Fibre glass parts


Glass parts


Conditions of Zero Depreciation Add-on Cover

  • Available for cars not older than 5 years
  • Policyholder is allowed to file only 2 claims during a policy tenure
  • It cover tyres, tubes and batteries at 50%. All the other parts are covered at 100%.
  • Premium depends on the IDV and age of the insured vehicle.

Must Read Articles before buying National Car Insurance

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  • I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased...

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    By Bahani Khan
    On: February 25, 2022
  • I did not know how the claim settlement works. I visited Insurancedekho and learned everything. Then I made a ...

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    By Debesh Roy
    On: December 21, 2020
  • My experience has been simply WOW with National insurance. The claim department was really helpful in the sett...

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    By Ekta Gupta
    On: September 10, 2020
  • I recently made a claim under my National car insurance policy that I purchased for my Volkswagen Polo car. Th...

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    By Suman Pande
    On: July 10, 2020
  • InsuranceDekho helped me in making a claim last month under my National car insurance policy that I purchased ...

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    By Jai Aneja
    On: July 9, 2020
  • I purchased a National car insurance policy from InsuranceDekho for my Hyundai Verna car. It was easy to buy p...

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    By Naresh Nangia
    On: July 3, 2020
  • I purchased a National car insurance policy for my Honda WRV car at an affordable premium from InsuranceDekho...

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    By Shivani Joshi
    On: July 2, 2020
  • I purchased a National car insurance policy for my Honda jazz car from InsuranceDekho last month. I appreciate...

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    By Priya Grover
    On: June 26, 2020
  • InsuranceDekho offers a great number for car insurance policies of which I chose National policy for my Maruti...

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    By Karan Talwar
    On: June 25, 2020
  • The support team at InsuranceDekho is highly professional. It has members with experience and qualification wh...

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    By Avinash Dixit
    On: June 3, 2020

223 National Cashless Garages in India

National Zero Depreciation Add-on FAQs

  • I have a comprehensive car insurance policy along with zero depreciation add-on cover. Will it cover electrical/mechanical breakdown?

    No, the zero depreciation add-on cover does not offer protection against electrical/mechanical breakdown. For that, you would need to buy the Engine Cover add-on.
  • How much can I save with the zero depreciation add-on cover?

    You can save a hefty amount with the zero depreciation add-on cover. For example, the depreciation of fibre glass parts is 30%. This means you can do away with the liability of bearing this 30% expense.
  • I have a CNG kit installed in my car, will it be covered under my zero depreciation cover?

    No, depreciation of any bi-fuel kit is not covered under the zero depreciation insurance policy.
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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.