Top 5 Car Insurance Policies with Zero Depreciation in India 2025 Guide

Grisha July 5, 2025 No Comments

Zero depreciation car insurance is a must-have in 2025 — especially if you want full claim settlement without worrying about your car’s aging parts.

If you’re a car owner in India, chances are you’ve heard stories of people paying for bumper-to-bumper repairs, even after having insurance. That’s where Zero Depreciation (Zero Dep) comes in.

In this post, we list the best zero dep car insurance policies in India based on claim settlement, features, and real cost-effectiveness.

What Is Zero Depreciation Car Insurance?

A Zero Depreciation add-on ensures that in case of an accident or damage, your insurer won’t deduct depreciation from the claim amount.

Without Zero Dep:

• Plastic, rubber, fiber, and glass parts lose value annually.

• You pay 20% to 50% out of pocket for replacements.

With Zero Dep:

• 100% cost of replaced parts covered.

• No hidden deductions during claim.

• Peace of mind — especially for new or premium cars.

Top 5 Zero Dep Car Insurance Policies in India – 2025

1. ICICI Lombard – Zero Dep Car Policy

• ✅ Claim settlement ratio: 93%

• ✅ No cap on number of claims with zero dep add-on

• ✅ Covers road-side assistance, engine protection

• 💰 Ideal for: High-end and new cars

2. TATA AIG Car Insurance with Zero Dep Cover

• ✅ Wide cashless network (7,500+ garages)

• ✅ Multiple add-ons like engine secure, consumables

• ✅ Strong digital claim tracking

• 💰 Ideal for: Mid-size sedans, SUVs

3. HDFC ERGO Motor Insurance – Zero Dep Plan

• ✅ Covers parts like nylon, plastic, rubber

• ✅ Up to 100% claim settlement with minimal paperwork

• ✅ 24×7 claim support

• 💰 Ideal for: New car buyers and city drivers

4. Bajaj Allianz Car Insurance with Zero Depreciation

• ✅ Instant online policy issuance

• ✅ Add-ons: Engine protector, key replacement

• ✅ Unlimited claims under zero dep

• 💰 Ideal for: Family cars, hatchbacks, daily drivers

5. Digit Car Insurance (Zero Dep Add-on)

• ✅ Fully digital – buy/claim from mobile

• ✅ Low premium, high coverage

• ✅ Strong reviews for fast processing

• 💰 Ideal for: Budget-conscious buyers, first-time car owners

Online Renewal: How to Renew Car Insurance With Zero Dep

Renewing online is fast, cheaper, and gives you better flexibility.

Steps:

1. Visit the insurer or aggregator site

2. Enter car details and existing policy number

3. Add zero depreciation add-on during renewal

4. Review premium and pay online

5. Get e-policy instantly

⏳ Pro Tip: Don’t wait till the last day to renew. You risk policy lapse and inspection requirements.

Promote Your Insurance Service on Vyapargrow (Free)

Are you an insurance agent, advisor, or motor policy seller?

🚀 Get instant visibility and reach local car owners by posting a free classified ad on Vyapargrow — India’s trusted platform for local services.

Why Vyapargrow?

• ✅ Free Ad Posting (Forever!)

• ✅ Local SEO Boost – Appear in your area

• ✅ Connect with verified buyers/leads

• ✅ Perfect for freelancers & small agencies

👉 Click here to Post Your Free Insurance Ad on Vyapargrow Now

Let your next customer find you, not the other way around.