5 min read·Dinesh Singh
What is depreciation in motor claims?
Insurers deduct 30–50% of the cost of plastic/rubber parts and 5–10% of metal parts every year. You pay this gap from your pocket.
How zero dep changes the math
With zero dep, the insurer pays 100% of part replacement cost. On a ₹50K bumper claim you save ₹15–25K.
When to take zero dep
Car age 0–5 years, expensive imported parts, or driving in dense traffic. Premium increases ~15–20%.
When to skip
Car older than 5 years (zero-dep often not allowed), or you self-insure small dents.
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