Zero Depreciation Car Insurance Meaning & 2025 Updated Benefits

Zero Depreciation Car Insurance Meaning & Updated Benefits 2025

Bhai sach bolu to car insurance lene se zyada confusion Zero Depreciation add-on ko lekar hoti है. Bahut log sunte to hain, par exactly ye kya cover karta hai, kaise claim me help milti hai – ye clear नहीं होता.

Aaj main tumhe ekdum simple human language me samjha raha hoon ki Zero Dep car insurance hota kya है, 2025 me iske naye फायदे kya hai, aur kya ye लेना जरूरी है ya nahi.

Zero Depreciation Car Insurance Meaning & 2025 Updated Benefits

Zero Depreciation Car Insurance Kya Hota Hai?

Normal comprehensive policy me jab accident hota है, to company depreciation minus karke claim deti है. Matlab car ke parts ki age aur value ghatti hai – aur utna paisa tumhe देना पड़ता है.

Lekin Zero Deprection add-on lene se company tumhare parts ki ghati hui value को ignore कर देती है. Simply bolo to:

"Accident me jitna nuksan hua, utna company bhar degi — depreciation minus nahi hogi."

2025 Me Zero Dep Ke Top Benefits

• Plastic, rubber, fiber, metal parts sabka depreciation zero.
• Accident claim ka out-of-pocket खर्च almost 70-80% kam.
• New cars (0–5 years) ke liye sabse best protection.
• Luxury cars ya high-end models ke liye value-for-money.
• Door, bumper, fender, headlight, grille — sab parts high coverage.
• 2025 me IRDAI rules ke according faster settlement.

Normal vs Zero Depreciation – Difference

Normal Insurance	Zero Dep Insurance
Depreciation minus hota है	No depreciation minus
Claim amount kam milta है	Claim maximum milta है
Out-of-pocket paisa jada	Out-of-pocket almost zero
Old cars ke liye ok	New cars ke liye perfect

Kaun Kaun Se Parts Cover Hote Hain?

• Plastic parts (headlamp, bumper panel)
• Fiber parts
• Rubber parts
• Metal body parts
• Windshield & glasses (company ke according)

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Zero Dep Kab Claim Nahi Milta?

• Engine damage due to water (unless engine protect add-on ho)
• Drunk driving
• Commercial usage
• Wear & tear damage
• Old cars (5–7 years se jada)

Zero Dep Car Insurance Ki Price Kitni Hoti Hai?

Bhai, normally zero-dep add-on ka premium ₹1,000 – ₹5,000 ke beech hota है. Car model, age aur city ke hisab se change hota है.

Lekin jo claim me फायदा milta है, wo iss premium se 10x jada hota है.

Kya Zero Dep Lena Chahiye?

Meri honest राय – agar tumhari car:

• 0–5 years old hai
• Daily running me है
• Naya driver ya family members chalate हैं
• High traffic city me ho

To Zero Depreciation lena 100% worth hai.

Conclusion

Zero Depreciation ek aisa add-on है jo accident ke time financial tension almost खत्म कर deta है. 2025 me companies ne coverage aur fast settlement aur bhi strong bana diya है.

Agar tum chaho to apni car ke model ko dekh kar main tumhe best zero-dep companies bhi suggest कर सकता हूँ — बस bata dena.