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Disclaimer: Actual Premium might vary basis your location, age and number of members

DHFL Zero Depreciation Cover

The depreciation in the value of a bike over time is taken into account during the calculation of the claim amount. Every insurer deducts depreciation charges from the claim amount at the time of claim settlement. Opting for a Zero Depreciation cover prevents the deduction of depreciation charges. DHFL offers the Zero Depreciation cover along with a standalone own damage and a comprehensive bike insurance policy.

DHFL Zero Depreciation cover ensures the policyholder to get the maximum claim amount. It provides the facility of free of cost repair and replacement of the depreciable parts of the insured’s bike.

Benefits of DHFL Zero Depreciation Cover

  • Higher claim: With the Zero Depreciation add-on included in the standalone own damage or comprehensive bike insurance policy, the insurer does not deduct any depreciation charges from the claim money. It ensures the policyholders to enjoy the maximum claim amount.
  • Helps save money: Opting for the Zero Depreciation cover may result in a slight increase in the premium amount but it ensures maximum coverage. Under this cover, the free repair and replacement of the depreciated bike parts can be availed.

Zero Depreciation Insurance vs Normal Insurance

Age of bike

Rate of Depreciation Without Zero Depreciation cover

Rate of Depreciation With Zero Depreciation cover

Under 6 months

Nil

0%

6 months to 1 year

5%

0%

1-2 years

10%

0%

2-3 years

15%

0%

3-4 years

25%

0%

4-5 years

35%

0%

5-10 years

40%

0%

Above 10 years

50%

0%

Part of bike

Rate of Depreciation Without Zero Depreciation

Rate of Depreciation With Zero Depreciation

Rubber/nylon/ plastic parts

50%

0%

Fibre glass parts

30%

0%

Glass parts

Nil

0%

DHFL Zero Depreciation Cover Conditions

DHFL Zero Depreciation comes with multiple benefits provided that the following conditions are fulfilled:

  • The age of the bike should not exceed 3 years.
  • This cover can be claimed only twice in the entire policy tenure.
  • Repair and replacement due to common wear and tear do not get covered.
  • Coverage is not provided in cases of total loss, mechanical and electrical breakdown of the insured’s bike.

Explore Dhfl Bike Insurance

Must Read Articles before buying Dhfl Bike Insurance

DHFL Bike Insurance User Reviews

5.0
Rating based on
272 User reviews
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What users are saying
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  • Valuable expert advice

    I received some valuable expert advice on InsuranceDekho while I was looking for add-on covers to enhance the coverage of my DHFL bike insurance plan. The policy is issued for KTM 390 Adventure. Based on the advice, I bought a Zero Depreciation cover.

    Read More

    A
    By Arnav Naueshwara
    On: February 23, 2023
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: July 18, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: June 29, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: June 22, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: June 3, 2022
  • The reminder feature on the we...

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: May 20, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: March 11, 2022
  • Insurance within budget

    I wanted to purchase a bike insurance policy that provided me good coverage and fit in my budget, while looking for one I landed on InsuranceDekho’s website. Here I was able to compare several bike insurance policies which were affordable and provided good coverage. I purchased a Navi bike insurance policy for my Suzuki Let’s.

    Read More

    L
    By Lokesh Yadav
    On: February 2, 2022
  • The reminder feature

    The procedure of purchasing a plan is so easy on the website as it is arranged perfectly. I purchased a DHFL bike insurance policy for my KTM RC 125 from InsuranceDekho.com, which always reminds me to renew my policy on time. Also, to mention, that the plan that I bought has secured my bike well. I would recommend the others to go with this plan too.

    Read More

    P
    By Priyansh Batra
    On: February 1, 2022
  • Renewed the policy in a few mi...

    I renewed my Navi comprehensive bike insurance policy for my Harley Davidson V Rod in very little time with the guidance of the InsuranceDekho assistance team. I had to follow some simple steps to get it done in very little time. Thanks to the team.

    Read More

    P
    By Pritish Sachdeva
    On: January 24, 2022
  • Found some quality insurance p...

    I had opted for ordinary updates with InsuranceDekho which helps me locate the up-to-date listing of some amazing insurance plan companies. I noticed the amazing advice and thinking about the advice I bought a Navi Bike insurance plan for my Lohia Genius as it has an excessive claims ratio.

    Read More

    G
    By Ganesh Goyal
    On: January 21, 2022
  • Found some quality insurance p...

    I had opted for ordinary updates with InsuranceDekho which helps me locate the up-to-date listing of some amazing insurance plan companies. I noticed the amazing advice and thinking about the advice I bought a Navi Bike insurance plan for my Lohia Genius as it has an excessive claims ratio.

    Read More

    R
    By Rishabh
    On: January 18, 2022
  • Best car insurance

    I desired to purchase an insurance plan for my Suzuki Access a hundred twenty-five however used to be very careworn as to what to do. But, InsuranceDekho helped me discover a satisfactory suit insurance plan for myself. It helped clear my confusion and I am grateful for that. I bought a NAVI bike insurance plan policy.

    Read More

    R
    By Ramesh Kapoor
    On: January 14, 2022
  • Top insurance companies listed

    I opted for regular updates with InsuranceDekho which helps me find the updated list of some top insurance companies. After considering the top recommendations I opted for the Navi Bike insurance policy for my Lohia Genius as it has a high claim settlement ratio.

    Read More

    R
    By Rohan Nadkarni
    On: January 14, 2022
  • Best vehicle insurance

    I wanted to buy insurance for my Suzuki Access 125 but was very confused as to what to do. But, InsuranceDekho helped me find the best fit insurance for myself. It helped clear my confusion and I am grateful for that. I purchased NAVI bike insurance policy.

    Read More

    R
    By Ramesh Kapoor
    On: January 10, 2022
  • Sends useful reminders

    From upcoming payable premium instalment date to renewal dates, InsuranceDekho keeps me updated on my policy status by sending useful reminders through email. I appreciate this initiative. I am a policyholder of DHFL bike insurance policy for my Honda CBR.

    Read More

    P
    By Partha Dasgupta
    On: June 23, 2021
  • Valuable expert advice

    I received some valuable expert advice on InsuranceDekho while I was looking for add-on covers to enhance the coverage of my DHFL bike insurance plan. The policy is issued for KTM 390 Adventure. Based on the advice, I bought a Zero Depreciation cover.

    Read More

    R
    By Rajeev Santosh
    On: June 21, 2021
  • Approachable customer team

    Through email, chat or phone number, the customer team of InsuranceDekho is approachable all the time. The team is eager to help no matter how complicated an issue is. I took their help during the renewal of DHFL bike insurance policy issued for BMW R 1200 R.

    Read More

    R
    By Raju Pandey
    On: June 16, 2021
  • Outstanding website

    I think InsuranceDekho is an outstanding website. It is detailed, and the digital services provided by the team are flawless. Glad that I used it to insure my Kawasaki Eliminator with DHFL bike insurance policy.

    Read More

    S
    By Sujit Samaddar
    On: June 9, 2021
  • Various payment modes accepted

    InsuranceDekho accepts various online payment modes when it comes to premium payment. This was quite feasible for me as I could easily use my credit card for the payment of DHFL bike insurance policy issued for TVS Radeon.

    Read More

    J
    By Jiten Patel
    On: June 2, 2021
  • Mobile policy

    InsuranceDekho helped me to issue DHFL bike insurance policy completely digitally. The mobile policy is easy to carry and it has given me freedom from worrying about misplacing the documents. I issued the policy for my Yamaha Ray Z.

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    A
    By Antarip Chowdhury
    On: May 26, 2021
  • Understands value of time

    Be it policy issuance, renewal or claim settlement, InsuranceDekho understands and emphasises the value of time. No matter how complicated an issue is, they try their best to resolve it immediately. I am impressed with their speedy service. I hold DHFL bike insurance policy for Kawasaki Vulcan S.

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    D
    By Dyuti Mukherjee
    On: May 19, 2021
  • Outstanding experience

    I was completely novice to the idea of issuing a bike insurance policy. InsuranceDekho guided me from quote generation and to the payment on every step. I must admit that issuing a DHFL bike insurance policy for Vespa Piaggio Esclusivo was an outstanding experience.

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    A
    By Animesh Guha
    On: May 12, 2021
  • Reliable network garages

    My Triumph Daytona 675, insured with DHFL bike insurance policy, needed a prompt repairing service. I landed on InsuranceDekho and located a nearby partner garage. The garage was equipped with genuine spare parts, modern amenities and up to date service which made it a reliable experience.

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    By Giridhar Chouhan
    On: May 3, 2021
  • One-of-a-kind experience

    Coming to InsuranceDekho to resolve various policy matters has always been a one-of-a-kind experience. Their services are secure and prompt. I am a policyholder of DHFL bike insurance policy for my Royal Enfield Bullet Electra.

    Read More

    S
    By Sabarni Roy
    On: April 30, 2021
  • Skillful support team

    The skilful support team of InsuranceDekho helped me to compare the depreciation rate of various types of policies. I checked the differences and decided to buy DHFL Comprehensive bike insurance policy for Hero Motocorp Passion.

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    V
    By Vandana Routh
    On: April 29, 2021
  • Simple premium calculation

    I calculated the total premium of my DHFL bike insurance policy using the premium calculator of InsuranceDekho. With this tool, the calculation was easy, fast and accurate. Finally, the policy documentation of my Ampere Magnus was complete.

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    S
    By Sinjini Basak
    On: April 28, 2021
  • Three steps to policy issuance

    The issuance of DHFL bike insurance policy for my Vespa Connectivity required me to take three easy steps on InsuranceDekho. I started with generating my quotes by giving the registration number of my bike. Then, I compared the quotes based on offered benefits. Upon finding the best one, I paid.

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    S
    By Shirshendu Kayal
    On: April 26, 2021
  • Wide range of coverage

    InsuranceDekho offers policies that consist of a wide range of coverages. I compared the coverages offered by the three main policy types, Third Party, Comprehensive, Standalone Own Damage. Later, I chose DHFL Comprehensive bike insurance policy for BMW HP2 Sport.

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    R
    By Ritam Bagchi
    On: April 23, 2021
  • Expert guidance available

    I was looking for ways to calculate the premium amount of my DHFL bike insurance policy issued for Royal Enfield Himalayan BS4. An expert from InsuranceDekho guided me thoroughly on how I could use the premium calculator. After that, the calculation was swift.

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    J
    By Jagriti Samanta
    On: April 22, 2021
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DHFL Zero-Depreciation Add-on Cover FAQs

  • Does the Zero Depreciation add-on provide coverage for plastic parts of bikes?

    Yes, the Zero Depreciation add-on provides coverage for the plastic parts of the insured’s bike. The rate of depreciation for plastic parts without the Zero Depreciation charge is 50%, but in presence of the Zero Depreciation cover, the depreciation charge is not taken into account.

  • Does my premium increase if I opt for Zero Depreciation cover?

    Yes, the premium increases by 15-20% for opting DHFL Zero Depreciation cover along with the standalone or comprehensive bike insurance policy.

  • Is Zero Depreciation cover beneficial for a luxury bike?

    Yes, it is beneficial to opt for Zero Depreciation cover for a luxury bike as it helps to prevent financial expenditure on expensive depreciable parts of the bike.

  • Which depreciable bike parts are covered under DHFL Zero Depreciation cover?

    DHFL Zero Depreciation cover provides coverage for the repair of the following bike parts:

    • Rubber
    • Nylon
    • Plastic
    • Fibre glass

  • Does a Zero Depreciation cover ensure full claim amount?

    No, opting for a Zero Depreciation cover does not ensure full claim amount as deductibles are factorized while calculating the claim amount. Zero Depreciation waivers only the depreciation charges ensuring maximum claim amount.

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