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TATA AIG Zero Depreciation Cover

Every auto insurance policy comes with add-on covers. The most popular one among them is the zero depreciation add-on. The zero depreciation add-on, also known as bumper to bumper add-on and nil depreciation add-on, provides coverage against the depreciation applicable on your car and its parts. In case of no zero depreciation, like all other insurer TATA AIG also deducts the depreciation amount on your car and its parts before acknowledging a claim and thus the cost of depreciation is borne by the policyholder.

Benefits of Tata AIG Zero Depreciation Add-On Cover

The Tata AIG Zero Depreciation add-on provides you with the following benefits:

  • Higher Claim Amount: The zero depreciation cover helps you get a higher claim amount as it gives coverage for depreciation on rubber, fibre, plastic and nylon parts of your car. However, the depreciation value for tyres, tubes and batteries is covered 50% by the insurer.
  • Saves The Money: The Tata AIG zero depreciation add-on cover helps policyholders to save money. It becomes possible since the premium amount charged for this add-on cover is any day lesser than the amount of depreciation incurred on a car and its parts.

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

Age of Car

Rate of Depreciation

Under 6 months

Nil

6 months to 1 year

5%

1-2 years

10%

2-3 years

15%

3-4 years

25%

4-5 years

35%

5-10 years

40%

Above 10 years

50%

Disclaimer: Battery / Plastic / Nylon / Rubber parts -> 50% covered; Fiberglass -> 70% covered, Wooden & Metallic parts -> Depreciated basis age of vehicle (normal)

Factors Affecting Tata AIG Zero Depreciation Cover

Apart from several benefits, the Tata AIG zero depreciation car insurance cover comes with some limitations and conditions as well. Some of which are as follow:

  • This add-on cover is applicable to selected car makes and models
  • Zero depreciation claim can be availed of only twice during the policy tenure
  • Only cars of a maximum of 2 years of age can avail of this zero depreciation add-on cover
  • Normal wear and tear, damage due to uninsured danger and mechanical breakdowns are not covered under this add-on cover.

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TATA AIG Car Insurance User Reviews

4.8
Rating based on
475 User reviews
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  • Broken Window Repair

    While my car was parked in authorised parking, someone broke the window in an attempt to steal my bag from the car. Thankfully he could not steal my bag, and my window was replaced at a TATA AIG cashless garage in less than a couple of days. The quality of the window is impressive, the garage used an original piece to replace my window. Thanks to InsuranceDekho for suggesting TATA AIG based on their quick services.

    Read More

    M
    By Maya Manchanda
    On: July 1, 2024
  • NCB Benefits

    I had TATA AIG car insurance for four years and was considering discontinuing it as I never took a claim. But then the NCB discount tempted me to continue and made me choose safety over risk. InsuranceDekho was the reason why I chose TATA AIG so kudos to the team as my car is insured for another year!

    Read More

    S
    By Shivenendra Theratipally
    On: June 25, 2024
  • Responsive customer care

    I was struggling to endorse my policy as I was transferred to a different city, then I contacted the grievance redressal who helped me very effectively and I got my new policy documents in a few days following that. It was very helpful as I was caught up with many other things as well. Glad that I took assistance from InsuranceDekho in the process as well as choosing TATA AIG.

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    R
    By Rupali Sharma
    On: June 25, 2024
  • Roadside assistance

    I was stuck on the highway when my car stopped working and smoke came from the engine. I was worried but my roadside assistance add-on from TATA AIG saved my day. In about 30 minutes they sent help and towed my car to the nearest garage as well. My car was repaired at a cashless garage and it did not take much long as well. Really amazing service, thanks to InsuranceDekho for suggesting TATA AIG.

    Read More

    S
    By Shanti Jha
    On: June 24, 2024
  • Reimbursement process

    I am very fond of TATA AIG Car insurance. I got my claim last week through the reimbursement process and it was very smooth. I got my car repaired at my personally trusted garage and got the reimbursement from the insurer without any trouble. Thanks to InsuranceDekho for suggesting TATA AIG.

    Read More

    S
    By Shayra Sharma
    On: June 20, 2024
  • Great Home visit assistance

    I had never taken own damage insurance but recently I got myself a new SUV. The thought of any damage happening to it would not let me sleep. So I compared all insurer quotes on InsuranceDekho and chose to get home assistance. A very kind relationship manager paid a visit to my home and took me through the whole process. He gave me a feeling that this was a good decision and suggested continuing with TATA AIG due to the relatively low premium and extra services. I have been sleeping better since then :)

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    A
    By Anjani Nikam
    On: June 10, 2024
  • Awesome Buying Experience

    Good experience while purchasing two-wheeler third-party insurance on the insurance dekho portal. All most all insurers are available.

    Read More

    V
    By Vinit Bansal
    On: March 2, 2024
  • Customer-Centric Approach to T...

    InsuranceDekho's customer-centric approach extends to their Third-Party Car Insurance for my Chevrolet car. The Tata AIG Car Insurance Policy ensures that you understand the legal requirements and make the process hassle-free.

    Read More

    By Vibhas Mahendru
    On: October 18, 2023
  • Convenient Payment Settlement

    Settling payments after repairs at a cashless garage with InsuranceDekho’s Tata AIG Car Insurance Policy is convenient for my Honda car. It's one less thing to worry about during a challenging situation.

    Read More

    B
    By Brahmjot Singh
    On: October 16, 2023
  • Efficient Repairs and Assistan...

    In the unfortunate event of an accident of my Ford car, I knew that InsuranceDekho's comprehensive coverage will ensure efficient repairs and assistance. The Tata AIG Car Insurance Policy is a comforting safety net.

    Read More

    By Nisar Ahmed
    On: October 12, 2023
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TATA AIG Zero Depreciation Cover FAQs

  • How to know if I should opt for a zero depreciation add-on?

    The zero depreciation add-on is an apt option in the following cases:

    • Inexperienced/new drivers
    • luxurious cars
    • New cars

  • Is Zero Depreciation add-on same as Nil Depreciation add-on?

    Yes, the zero depreciation is also known as nil depreciation.

  • Does a comprehensive auto insurance policy comes with the zero depreciation add-on?

    No, the zero depreciation add-on is not a part of the comprehensive auto insurance policy. You need to opt for it separately.

  • Can I opt for zero depreciation cover with a third party insurance policy?

    No. Insurers do not provide any add-on with third party auto insurance policy. If you wish to opt for zero depreciation or any other add-on, you need to purchase a comprehensive auto insurance policy.

  • Can I add the Zero Depreciation cover to my policy online?

    Yes, you can add the Zero Depreciation add-on cover to your policy online at the official website of Tata AIG car insurance. You can add this cover to a new policy or to an existing car insurance policy.

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