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Zuno Zero Depreciation Car Insurance
Zuno Zero Depreciation Car Insurance is an add-on cover that helps you get the full claim amount without any deduction for depreciation. Normally, when your car parts get damaged, their value is reduced based on age, and you have to pay the difference. But with Zero Depreciation, Zuno pays the complete repair or replacement cost of covered parts—so you save more and spend less during claims.
This add-on ensures your car is repaired with top-quality parts without extra costs from your pocket.
Benefits of Zuno Zero Depreciation Car Insurance
Here are some of the key benefits of Zuno Zero Depreciation Insurance for the insured vehicle and policyholder:
- 01
Depreciation Reimbursement
You do not have to pay the depreciation amount that’s usually deducted during claims. Zuno covers it for you.
- 02
Full Claim Settlement
You receive the entire claim amount, without any depreciation cut, giving you maximum value and lower repair bills.
- 03
Coverage for High-Cost Parts
Parts like bumpers, glass, rubber, and plastics are covered at full value—ideal for modern cars with costly components.
- 04
Lower Out-of-Pocket Expenses
Since depreciation is not deducted, your repair costs go down significantly.
- 05
Best for New & Premium Cars
Perfect for new cars (up to 3 years old) and luxury cars, where the spare parts are expensive.
- 06
Helpful in Accident-Prone Areas
Reduces frequent repair costs if you drive in traffic-heavy or rough-road areas.
- 07
Better Resale Value
Repairs done with top-quality parts keep your car in great condition, improving its resale value.
- 08
Budget-Friendly Add-On
Zero Depreciation is affordable and offers strong protection at a small extra cost.
Motor Insurance Plans By Zuno
What Zuno Zero Depreciation Cover Includes and Not Cover?
What it Covers
Zero Depreciation is added to a comprehensive or own-damage policy. Here’s what it covers:
Full repair or replacement cost with no depreciation deduction
Coverage for expensive parts like plastic, rubber, fiberglass, glass, and bumpers
Personal Accident Cover for the owner-driver
Cashless repairs at Zuno network garages
Protection against accidents, natural disasters, fire, and theft
What Does it not Covers
This add-on does not cover losses caused due to:
Total loss claims (settled at IDV value only)
Driving under the influence of alcohol or drugs
Certain parts like nuts, bolts, tubes, tires, and lubricants (unless mentioned)
Driving without a valid driver's license
Mechanical or electrical failures
Normal wear and tear of the vehicle
Mandatory deductibles, which still need to be paid by the policyholder
How to Buy Zuno Zero Depreciation Car Insurance?
Here are the steps to buy Zuno Zero Depreciation Car Insurance:Step 1
Start with a comprehensive or own-damage policy.
Step 2
Select the Zero Depreciation Add-On while buying or renewing.
Step 3
Check if your car is eligible (usually up to 3–5 years old).
Step 4
Review what it covers: plastic, rubber, glass, and bumper parts at full value.
Step 5
exclusions like total loss, wear and tear, or mechanical issues.
Step 6
Pay the small extra premium.
Step 7
Enjoy full claim benefits with no depreciation cuts.
FAQs
Zuno Zero Depreciation Car Insurance is an add-on cover that lets you get the full claim amount without any deduction for depreciation on car parts. It helps you save money during repairs.
No. Zero Depreciation is not part of a standard policy. You must add it separately when buying or renewing your Zuno car insurance plan.
With Zuno Zero Depreciation, the insurer pays the full cost of damaged parts like plastic, rubber, bumper, and glass, so you don’t pay for depreciation.
It is best for new cars, luxury cars, and people who drive in traffic-heavy or accident-prone areas. It helps reduce repair costs significantly.
No. In total loss or theft cases, the claim is paid based on the car’s IDV, not Zero Depreciation.
It covers high-cost parts like plastic, rubber, glass, fiber panels, and bumpers at full value without depreciation cuts.
It does not cover mechanical failures, routine wear and tear, tires and tubes (unless specified), drunk driving cases, or driving without a valid licence.