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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


6 months to 1 year


1-2 years


2-3 years


3-4 years


4-5 years


5-10 years


Above 10 years


Car Part

Depreciation Rate

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


Fibre glass parts


Glass parts


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.

Must Read Articles before buying Tata Aig Car Insurance

TATA AIG Car Insurance User Reviews

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191 Tata Aig Cashless Garages in India

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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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.