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United India Zero Depreciation Insurance

Zero depreciation covers cars that are damaged during an accident or theft without factoring in depreciation costs, which would have otherwise been included. It is applicable only to new cars with a maximum age of 5 years.

Generally, even if car owner has comprehensive insurance, during a claim, the insuring company deducts the depreciation from the actual claim to bring out the final settlement figure. However, with a Zero Depreciation insurance add-on, claim amount does not take into consideration that the car might have been depreciated during the tenure of the insurance. Instead, in case of any loss or damage due to accident or theft, the insured can claim complete amount without factoring depreciation from it. Hence, even if the car might have had certain scratches on paint or faulty mechanics due to excessive usage, reimbursement will be for the entire cost of replacement.

Benefits of Zero Depreciation Insurance

Zero Depreciation insurance comes with a lot of perks for the insured. Here they are listed below.

  • Claim amount with a Zero Depreciation add-on is always higher than one without it.
  • In case of major damages or loss, the insured gets rid of out-of-pocket expenses and most of them are covered without taking depreciation into account.
  • Addition of Zero Depreciation to the current car insurance adds a lot of value. Total coverage is huge and investments are reduced to almost nil.
  • Gives the owner a peace of mind regarding any unforeseen mishaps, like an accident or theft.

Factors affecting Zero Depreciation

There are a few basic things to look while trying to purchase this insurance cover:

  • Zero Depreciation add-ons can be taken for vehicles not older than 5 years..
  • The premium amount and claim for insurance with Zero Depreciation add-on are directly affected by the make and model of any concerned vehicle.
  • In general cases, the driving history of the owner is taken into consideration. Applicants who have a bad record with handling cars on roads generally have to pay a higher premium.
  • Luxury cars, like those from premium brands, will incur a higher cost if Zero Depreciation add-on is included, are likely to be charged higher premium.

United India Zero Depreciation Claim Process

  • Intimate the insurer

The insured needs to get in touch with the nearest UIIC office or branch. Following this, the insurance company will make a survey of the vehicle in question. Hence, if any grave accident has taken place, like fire, etc., the vehicle is to be kept at the spot.

  • Seek medical help and lodge an FIR

The third-party needs to be rushed to the nearest hospital for medical attention. In the unfortunate case of death of the victim, contact the local police. An FIR of the accident is mandatory.

  • Documentation and formalities

Submit the claim form and complete all formalities. A copy of FIR will be needed here.

  • Surveying of the vehicle and accident spot

The insurance company will visit the spot and perform a final survey.

  • Get a repair quote

The vehicle will then be taken to a garage for a repair quote and claim (without factoring depreciation) will be disbursed after completion of all formalities.

Must Read Articles before buying United India Car Insurance

United India Car Insurance User Reviews

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  • Effortless Purchase

    Getting United India Car Insurance through InsuranceDekho was effortless! Their team helped me choose the right coverage hassle-free. Now, I feel confident about my car's protection.

    By Sakshi Taneja
    On: March 11, 2024
  • Protection with No Compromises...

    InsuranceDekho's own damage coverage offers comprehensive protection without any compromises for my United Car Insurance Policy. It covers everything I need without cutting corners for my MG car.

    By Anushka Biswas
    On: November 21, 2023
  • Supportive Renewal Team

    I had taken a car insurance policy for my Hyundai car. The renewal team at InsuranceDekho is supportive and ready to assist with any questions or concerns during the process of renewal of the United Car Insurance Policy.

    By Gyan Prakash
    On: November 9, 2023
  • Zero Depreciation for a Stress...

    InsuranceDekho's Zero Depreciation insurance offers a stress-free ownership experience. I knew that with the United Car Insurance Policy, my Chevrolet car's value was fully protected, making every drive worry-free.

    By Kriti Mehta
    On: October 23, 2023
  • Accessible Anytime, Anywhere

    I can access InsuranceDekho's premium calculator anytime and from anywhere, which is incredibly convenient when deciding to renew the United Car Insurance Policy for my Kia car.

    By Samagya Gupta
    On: October 19, 2023
  • Educational Tool

    The premium calculator also served as an educational tool for me. It helped me understand how various factors affect my premium for the United Car Insurance Policy that I secured for my Maruti car, making me a more informed policyholder.

    By Gautam Srivastav
    On: September 29, 2023
  • Competitive Rates for Third-pa...

    I've been using InsuranceDekho for my MG car’s insurance needs for a couple of years now. What I appreciate most is their competitive pricing. I've always found that the United Car Insurance Policy’s third-party insurance fits my budget without compromising on coverage. Plus, their reminders for policy renewals are a lifesaver. Highly recommend!

    By Meenakshi Chaturvedi
    On: September 25, 2023
  • Efficient Cashless Claims

    I had to make a claim for my Nissan car after an accident, and as my car was insured with the United Car Insurance Policy with InsuranceDekho's cashless claims process was efficient. I didn't have to go through the hassle of reimbursement; it was all handled directly with the garage.

    By Saher Dharani
    On: September 21, 2023
  • Customization Made Simple

    The ability to customize the renewal of my United Car Insurance Policy is what I love about InsuranceDekho. I can adjust my policy to match the evolving needs of my Nissan car without any complications.

    By Nidhi Nauthiyal
    On: September 14, 2023
  • Trustworthy Claims Partner

    InsuranceDekho has proven to be a trustworthy claims partner. They handle claims professionally for my United Car Insurance Policy and without any hassle for my Honda car.

    By Aarti Gogia
    On: September 12, 2023

207 United India Cashless Garages in India

United India Zero Depreciation Cover FAQs

  • Can I get a Zero Depreciation cover for my car which is more than five years old but is in brand new condition?

    No. Zero Depreciation add-on cannot be availed along with insurance when the car is more than 5 years old, irrespective of its condition.
  • How much premium will I need to pay for Zero Depreciation insurance add-on?

    Nothing can be said about the amount of premium for adding Zero Depreciation until it is calculated by official means. But in general cases, budget-friendly cars will attract lower amount while expenses cars attract higher rates.
  • Will Zero Depreciation add on replace my car if it has been in an accident?

    It depends on the condition of any concerned vehicle following an accident and also on the company’s final decision. In most cases, if condition demands a replacement, it will be reimbursed, otherwise, repair costs will be provided, of course, without deducting the depreciation.
  • If I get a complete reimbursement, will it cover the entire cost of the new car?

    Not the same as the cost of a new car, but if everything goes well and the company is satisfied, claim amount will be sanctioned without subtraction of any depreciation.
  • Why should I choose Zero Depreciation add-on for my new car?

    Zero Depreciation is a no-nonsense kind of add-on for any existing insurance scheme. A new car is always prone to risks, especially if it is a new first-time buyer or new driver. Under such circumstances, the feasibility of Zero Depreciation add-on is more lucrative to the insured rather than the insurer.
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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.