Digit
headset_mic
Digit
mail_outline
24x7
[email protected]
  • Products

    Motor

    • Car Insurance
    • Two Wheeler/Bike Insurance
    • Commercial Vehicle Insurance
    • Taxi/Cab Insurance
    • Auto Rickshaw Insurance
    • Truck Insurance

    Health

    • Health Insurance
    • Super Top-up Health Insurance
    • OPD Health Insurance
    • Arogya Sanjeevani Policy
    • Personal Accident Insurance
    • Corporate Health Insurance

    Other

    • International Travel Insurance
    • Flight Delay
    • Shop Insurance
    • Home Insurance
  • Claims

    • File a Claim
    • File Health Claim
    • File Motor Claim for Garages
    • COVID-19 Assistance
    • Claim Status
  • Renewals
  • Become an Agent
  • Products
    • Car Insurance
    • Two Wheeler/Bike Insurance
    • Commercial Vehicle Insurance
    • Taxi/Cab Insurance
    • Auto Rickshaw Insurance
    • Truck Insurance
    • Health Insurance
    • Super Top-up Health Insurance
    • OPD Health Insurance
    • Arogya Sanjeevani Policy
    • Personal Accident Insurance
    • Corporate Health Insurance
    • International Travel Insurance
    • Flight Delay
    • Shop Insurance
    • Home Insurance
  • Claims
    • File a Claim
    • File Health Claim
    • File Motor Claim for Garages
    • COVID-19 Assistance
    • Claim Status
  • Renewals
  • Become an Agent
  • Support
    Sign In
    • edit Edit Policy
    • download Download Policy
    • person_pin My Service Requests
    call 1800 103 4448 whatsapp 70260 61234 mail_outline [email protected]

    Our WhatsApp number cannot be used for calls. This is a chat only number.

  • login
  • about
  • contact
  • careers
Digit
More Products

Motor

  • Car Insurance
  • Two Wheeler/Bike Insurance
  • Commercial Vehicle Insurance
  • Taxi/Cab Insurance
  • Auto Rickshaw Insurance
  • Truck Insurance

Health

  • Health Insurance
  • Super Top-up Health Insurance
  • OPD Health Insurance
  • Arogya Sanjeevani Policy
  • Personal Accident Insurance
  • Corporate Health Insurance

Other

  • International Travel Insurance
  • Flight Delay
  • Shop Insurance
  • Home Insurance

Support

close
  • edit Edit Policy
  • download Download Policy
  • person_pin My Service Requests
call 1800 103 4448 whatsapp 70260 61234 mail_outline [email protected]

Our WhatsApp number cannot be used for calls. This is a chat only number.

Switch to Digit Insurance

Trusted by 2 crore+ Indians

  • Car Side View
    Car
  • Motorcycle Side View
    Bike
  • auto rikshaw
    Commercial
loading
loading
OR ENTER YOUR CAR NUMBER
keyboard_arrow_right
DON'T KNOW YOUR CAR NUMBER?
keyboard_arrow_right
or renew digit policy keyboard_arrow_right

I agree to the  Terms & Conditions

Terms and conditions

Oops, we have a mismatch!

Please enter valid registration number
Please enter valid City name
{{bikeCtrl.pincodeErrorMessage}}
loading
DON'T KNOW REGISTRATION NUMBER?
keyboard_arrow_right
I KNOW MY REGISTRATION NUMBER
keyboard_arrow_right
IT'S A NEW BIKE
keyboard_arrow_right
OR RENEW DIGIT POLICY
keyboard_arrow_right

I agree to the  Terms & Conditions

x {{country}}

Most Popular(You can select more than one)

  • {{country}}

Try agian later

loading

I agree to the  Terms & Conditions

As mandated by Spanish Authorities your travel insurance needs to extend 15 days after your trip ends.
We will extend your coverage period accordingly.

Get Quote
false false false false false false false false false false false false
{{healthCtrl.residentPincodeError}}
{{healthCtrl.agentCodeError}}
close {{member}} {{ healthCtrl.getMemberCount(member) }}
{{healthCtrl.familyComposureError}}
{{healthCtrl.mobileNumberError}}

Try agian later

loading

Port my existing Policy

keyboard_arrow_right

I agree to the  Terms & Conditions

I agree to the  Terms & Conditions

Agent Name: {{healthCtrl.integraAgentDetails.agentName}}
State: {{healthCtrl.integraAgentDetails.state}}
SP Name: {{healthCtrl.integraAgentDetails.spName}}
SP Code: {{healthCtrl.integraAgentDetails.spCode}}

Try agian later

loading
{{healthCtrl.residentPincodeError}}
{{healthCtrl.agentCodeError}}
Agent name: {{healthCtrl.integraAgentDetails.agentName}}
State: {{healthCtrl.integraAgentDetails.state}}
SP Name: {{healthCtrl.integraAgentDetails.spName}}
SP code: {{healthCtrl.integraAgentDetails.spCode}}
+91 {{healthCtrl.mobileNumberError}}

Try agian later

loading
done
I agree to the  Terms & Conditions

You can select more than one member

{{healthCtrl.patentSelectErrorStatus}}

  • -{{familyMember.multipleCount}}+ Max {{healthCtrl.maxChildCount}} kids
    (s)
OR ENTER YOUR REGISTRATION NUMBER
keyboard_arrow_right
DON'T KNOW YOUR REGISTRATION NUMBER
keyboard_arrow_right
or renew digit policy keyboard_arrow_right

I agree to the  Terms & Conditions

Get Quote
  • {{travelCtrl.countriesList}} Edit

    x {{country}}
    {{travelCtrl.mobileCountryErrorMessage}}

    Most Popular(You can select more than one)

    • {{country}}
  • {{travelCtrl.startDate}}Edit

  • {{travelCtrl.endDate}} Edit

Terms and conditions

Terms and conditions

Terms and conditions

Virat Kohli has switched to Digit insurance! The choice of the Captain and 2 crore Indians. When will YOU switch?
Switch to Digit Insurance
  • Car
  • Two Wheeler
  • Commercial
  • More Products

Difference between Comprehensive and Zero Depreciation Insurance

Comprehensive Insurance + Zero Depreciation = 100% Satisfaction

Zero Depreciation is an ‘Add on’ cover, in other words, an added benefit that can be bought with Comprehensive Insurance. Basically, Zero Depreciation is part of Comprehensive Motor Insurance😊! Let’s explain the whole thing in detail to give you a better understanding. First let’s tell you a bit about Comprehensive Insurance, shall we😊!

What is Comprehensive Insurance?

Comprehensive Insurance is a ‘premium insurance’ policy for motor vehicles, both cars and bikes. And as the name suggests, it’s the ‘complete package’ that covers any damage to the vehicle, it’s occupants and the ‘third party’, in case of any mishap. By and large, Comprehensive Insurance covers:

  • Damage to your vehicle due to an accident
  • Personal injury during an accident
  • Theft of your vehicle
  • Damage to your vehicle due to fire
  • Damage to your vehicle due to natural disasters
  • Damage to the vehicle or property of the third party in an accident
  • Injury to the third party during an accident

Now, here’s where Zero Depreciation makes a grand entry!

Since Comprehensive Insurance is a premium motor insurance policy, you have the option to choose from various ‘Add on’ covers or ‘Benefits’. These covers can be availed at a slight premium over the basic insurance policy cost.

There are plenty of ‘Add on’ covers such as roadside assistance, engine protection cover, consumable cover etc. So, basically, Zero Depreciation is one of the ‘Add on’ covers that you can choose among a platter of mouth-watering added insurance benefits for your vehicle!

Difference between Comprehensive policy vs Zero dep Insurance policy

Comprehensive policy with Zero Dep cover

Comprehensive policy without Zero dep cover

Premium amount

Slightly higher than a normal comprehensive policy

Lower than a policy with the Zero Dep addon

Claim settlement amount

Higher as depreciation is not considered

Lower as depreciation is considered for all body parts that need to be repaired

Repairing of Plastic parts

With the Zero Dep addon, no depreciation is considered for such parts

50% depreciation on such parts are considered before paying the claim

Age of the covered car

With Zero Dep addon, the depreciation rates are considered as nil

With age, the depreciation of your car keeps increasing and will not be covered in the claim

So, a Comprehensive policy without a Zero-Depreciation is ideal if your car is brand new or you think you are going to buy a new one very soon. And a Comprehensive policy with a Zero-Depreciation add on is ideal if you do not want any bummers at the time of claims, and don’t want to spend a penny from your pocket in case of an emergency.

Benefit of taking Zero Depreciation Cover

Age comes with its drawbacks. The same applies to your vehicle. The older it gets, the more the value of your car or bike drops or ‘depreciates’. But, not to fret, this ‘Add on’ ensures that the value of your vehicle will remain as valuable as the day you bought it!

Zero Depreciation is also known as Nil Depreciation or Bumper to Bumper cover that leaves out the ‘depreciation’ factor from the coverage.

It basically means that if your car or bike gets damaged following a collision, no depreciation is subtracted from the coverage of wear and tear of any body parts of your vehicle.

The insurance company will offer you 100% of the entire cost (of course, minus the deductibles) of the body part which has to be repaired or replaced.

So, as we see we cannot really compare comprehensive insurance vs zero depreciation, as zero depreciation is only an add-on that can be taken with comprehensive cover, however, the former includes everything required to protect your car.

Rest assured with Zero Depreciation your beloved vehicle will always remain 100% as good as new!


Read more about:

  • Third party liability car insurance 
  • Difference between comprehensive and third party insurance 
  • Types of car insurance in India 
  • Types of motor insurance in India

Please try one more time!

Request URL:
Status Code:
Request Payload:
Response Data:
  1. Digit Insurance
  2. Motor Insurance
  3. Comprehensive Insurance Vs Zero Depreciation

Last updated: 2021-12-16

Digit
  • about
  • contact
  • career
Products
  • Car Insurance
  • Bike Insurance
  • Travel Insurance
  • Health Insurance
  • Property Insurance
  • Shop Insurance
  • Group Health Insurance
  • Arogya Sanjeevani Policy
  • Commercial Vehicle Insurance
  • Super Top-up Health Insurance
  • Flight Delay
Resources
  • Blog
  • Press
  • Download Policy
  • Grievance Redressal Procedure
  • Cancel e-Mandate
Agent & Partnerships
  • Become an Agent
  • Become Digit POSP
  • Garages claim intimation
Services
  • Claims
  • Renewals
  • Digit Cashless Garages
  • Digit Cashless Hospitals
Get our app
Download man
App Store Google Play

Other Products
  • Home Insurance
  • Fire Insurance
  • Burglary Insurance
  • Building Insurance
  • Bus Insurance
  • Tractor Insurance
  • Commercial Van Insurance
  • Passenger Carrying Vehicle Insurance
  • Heavy Vehicle Insurance
  • Goods Carrying Vehicle Insurance
  • Activa Insurance
  • Jupiter Insurance
  • Bullet Insurance
Health Insurance Guides
  • Individual Health Insurance
  • Family Health Insurance
  • Health Insurance for Parents
  • Health Insurance Premium Calculator
  • Compare Health Insurance
  • Health Insurance for Senior Citizens
  • Health Insurance with Maternity Cover
  • Corona Kavach Policy
  • Corona Rakshak Policy
  • हेल्थ इन्शुरन्स
  • फैमिली हेल्थ इन्शुरन्स
Car Insurance Guides
  • Third Party Car Insurance
  • Comprehensive Car Insurance
  • Zero Depreciation Car Insurance
  • NCB in Car Insurance
  • IDV Calculator for Car
  • Bumper to Bumper Car Insurance
  • Car Insurance Calculator
  • Own Damage Car Insurance
  • Comprehensive vs Third Party Insurance
  • Compare Car Insurance
  • Find Vehicle Registration Details Online
Bike Insurance Guides
  • Third Party Bike Insurance
  • Comprehensive Bike Insurance
  • Zero Depreciation Bike Insurance
  • NCB in Two Wheeler Insurance
  • IDV Value Calculator for Bike
  • Add-on Cover in Bike Insurance
  • Bike Insurance Calculator
  • Own Damage Bike Insurance
  • Comprehensive vs Third Party Bike Insurance
  • Compare Bike Insurance
  • Royal Enfield Insurance
  • TVS Insurance
  • Hero Bike Insurance
Other Guides
  • Types of Insurance
  • Types of General Insurance
  • Types of Motor Insurance
  • International Driving License
  • Visa on Arrival for Indians
  • Visa Free Countries for Indians
  • Comprehensive vs Zero Depreciation
  • Coronavirus Health Insurance
  • Coronavirus Symptoms Checker
  • Indian Passport Rank
  • Digit Illness Group Insurance
  • Hero Splendor Insurance
  • Access Insurance
  • Scooty Insurance
Calculators
  • SME Buddy Calculator
  • Home Loan EMI Calculator
  • Bike Loan EMI Calculator
  • Car Loan EMI Calculator
  • HRA Exemption Calculator
  • Sukanya Samriddhi Yojana Calculator
  • SIP Calculator
  • RD Calculator
  • SWP Calculator
  • GST Calculator
  • PPF Calculator
  • Personal Loan EMI Calculator
  • EMI Calculator
Finance Guides
  • What is Credit Score
  • Public Provident Fund
  • How to Open PPF Account?
  • How to open Sukanya Samriddhi Account
  • What is GST?
  • GST Registration in India
  • PAN Card
  • Aadhaar Card
  • Property Tax
  • Road Tax
  • Passport Process
Traffic Rules
  • PUC Certificate
  • Vehicle Registration Certificate
  • New Traffic Fines
  • Fine for Driving without Helmet
  • Types of Driving Licence in India
  • Driving Licence in Delhi
  • Driving Licence in Bangalore
  • Driving Licence in Jaipur
  • Bangalore Traffic Fines
  • Pune RTO Fine
  • Own Damage Insurance
Income Tax Guides
  • How to Save Income Tax in India
  • Income Tax Slab
  • Tax Deductions under Section 80C
  • Individual Income Tax Slab
  • Income Tax Slab for Women
  • Senior Citizen Tax Slab
  • Income Tax Benefits for Senior Citizens
  • Tax Saving Options other than 80C
RTO Offices in India
  • RTO Office
  • RTO Pune
  • RTO Ahmedabad
  • RTO Bangalore
  • RTO Mumbai
  • RTO Delhi
  • RTO Lucknow
  • RTO Thane
  • RTO Chennai
Important Links
  • Digit Insurance Reviews
  • Car Insurance Reviews
  • Bike Insurance Reviews
  • Commercial Vehicle Insurance Reviews
  • Travel Insurance Reviews
  • Health Insurance Reviews
  • Mobile Insurance Reviews
  • Become a Digit Partner
  • General Insurance Agent
  • Health Insurance Agent
  • Motor Insurance Agent
Car Brands & Models
  • Maruti Insurance
  • Toyota Car Insurance
  • Tata Car Insurance
  • Hyundai Car Insurance
  • Kia Car Insurance
  • Mahindra Car Insurance
  • Tata Tiago Insurance
  • Tata Nexon Insurance
  • Hyundai i20 Insurance
  • Creta Insurance
  • Baleno Insurance
Downloads Do Not Disturb (DND) Public Disclosures Stewardship Policy IRDAI Privacy Policy

CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.

Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka