Go Digit Zero Depreciation Car Insurance
Zero depreciation is an add-on that ensures 100% coverage at the time of claim without the deduction of a depreciation amount. It covers most of the repair expenses for additional protection to your car. Generally, depreciation is exclusive of coverage. You can only get the benefit of zero depreciation with a suitable add-on to the existing car policy. Go Digit offers the best price for your car when you replace or repair it, with nil depreciation add-on.
Benefits of Purchasing Go Digit Zero Depreciation Car Insurance
Some of the major benefits of the Go Digit zero depreciation program are as follows:
1Cashless services
You get a cashless repair experience with zero depreciation insurance for your car in Digit’s cashless garage.
2Better security
This add-on provides 100% coverage of the insured, which helps to get better financial security for the car.
3Good claim settlement amount
With no deduction of depreciation at the time of claim settlement, you can get a better settlement amount.
Depreciation Rate of Car as per IRDA - Without and With Go Digit Zero Depreciation Add-On
| Age of Car | Without the Zero Depreciation add-on | With the Zero Depreciation add-on |
|---|---|---|
| Under 6 months | Nil | 0% |
| 6 months to 1 year | 5% | 0% |
| 1 to 2 years | 10% | 0% |
| 2 to 3 years | 15% | 0% |
| 3 to 4 years | 25% | 0% |
| 4 to 5 years | 35% | 0% |
| 5 to 10 years | 40% | 0% |
| More than 10 years | 50% | 0% |
Depreciation Rates According to the Parts of the Car
| Parts of Car | Without Zero Depreciation | With Zero Depreciation |
|---|---|---|
| Rubber/Nylon/Plastic parts | 50% | 0% |
| Fibre Glass Parts | 30% | 0% |
| Glass Parts | Nil | 0% |
Disclaimer: The given depreciation rates in the above tables are indicative. Check your policy document to get the exact terms and conditions.
FAQs
Yes, if the coverage for the tyre and battery is specifically mentioned in the policy, then you can claim it.
It is another name for zero depreciation policy cover policy.
You need an ID card, driving license, RC of your car, and existing policy document to purchase zero-depreciation cover.
No. You are not liable for any depreciation deduction after this add-on. At the time of the claim, you will get the full coverage amount without deducting depreciation.
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