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Royal Sundaram Zero Depreciation Cover

Over time bikes suffer a loss in their value like any other asset. This loss in value is known as depreciation. The insurance providers take this loss into account and deduct the depreciation charge from the claim amount at the time of claim settlement. By default, a standard comprehensive plan or Standalone own-damage plan fails to provide coverage for the depreciation charge but a Zero Depreciation cover helps get rid of this deduction.

The Royal Sundaram Zero Depreciation add-on cover allows the policyholders to get rid of the depreciation charge. Moreover, it bears the expense of repairing and replacing depreciated bike parts. Thus, the policyholders get the chance of availing the entire claim amount without spending losing any amount as depreciation charge.

Benefits of Royal Sundaram Zero Depreciation Add-On Cover

  • Higher claim: The insurer does not charge any amount from the claim amount for depreciation with the Zero Depreciation added to the comprehensive policy. Thus, it allows the policyholders to claim the entire amount at the time of claim settlement.
  • Helps in saving money: As the replacement of depreciated bike parts is covered under the zero depreciation insurance plan, it helps policyholders to save the money which they could have spent on replacement of bike parts.

Depreciation Rate Applicable on Bike With And Without Zero Depreciation Add-on

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%

Factors Affecting Royal Sundaram Zero Depreciation Cover

The Royal Sundaram Zero Depreciation cover is highly beneficial; however, policyholders must keep the following conditions in mind:

  • Normal wear and tear is excluded from this cover
  • This add-on is not applicable in case of complete loss or damage
  • Bikes with the maximum age of 2 years can avail the Zero Depreciation Cover
  • Policyholders can claim the Zero Depreciation only twice during the entire tenure.

Explore Royal Sundaram Bike Insurance

Must Read Articles before buying Royal Sundaram Bike Insurance

Royal Sundaram Bike Insurance User Reviews

4.9
Rating based on
418 User reviews
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What users are saying
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  • Exceptional Service & Team Sup...

    I recently purchased Royal Sundaram Bike Insurance and I received exceptional customer support from the Insurancedekho team. I recommend everyone to purchase from them.

    Read More

    V
    By Vaishnavi bajaj
    On: March 5, 2024
  • Transparent Claim Settlement

    The transparency in InsuranceDekho's claim settlement is commendable. I always knew what was happening with my claim of the Royal Sundaram Bike Insurance Policy for my Suzuki bike, and the communication from their team was clear and concise.

    Read More

    A
    By Ankit Lokhande
    On: November 24, 2023
  • Customizable Comprehensive Cov...

    InsuranceDekho's comprehensive coverage that comes with the Royal Sundaram Bike Insurance Policy is highly customizable. It gives me the freedom to choose the level of protection I need for my Triumph bike.

    Read More

    S
    By Shivam Bhardwaj
    On: September 27, 2023
  • Prompt Customer Support

    I had a few questions about the terms of my third-party car insurance for my BMW bike, and I reached out to InsuranceDekho's customer support. To my surprise, they were incredibly responsive and provided clear explanations for all my queries about the Royal Sundaram Bike Insurance Policy. It's reassuring to know that help is just a phone call away.

    Read More

    A
    By Amit Khurana
    On: September 25, 2023
  • User-Friendly Cashless Garage ...

    Happy to have secured my Jawa bike under the Royal Sundaram Bike Insurance Policy. InsuranceDekho's online tool for finding cashless garages is user-friendly and efficient. It helped me quickly locate a garage nearby when I needed it the most.

    Read More

    P
    By Pratuskh Thankur
    On: September 21, 2023
  • Transparent Terms and Conditio...

    I appreciate the transparency of InsuranceDekho's own damage policy terms and conditions for the Royal Sundaram Bike Insurance Policy. It's easy to understand what's covered for my Triumph bike.

    Read More

    G
    By Gurpreet Sandhu
    On: September 14, 2023
  • Prompt Renewal Support

    Whenever I have questions about the renewal of my Royal Sundaram Bike Insurance Policy, InsuranceDekho's support team is prompt in providing assistance. Their guidance ensures a smooth and worry-free renewal experience for my BMW bike.

    Read More

    By Balbir Singh
    On: September 12, 2023
  • Excellent Coverage

    With InsuranceDekho's comprehensive coverage, I get excellent protection for both own damage and third-party liability with the Royal Sundaram Bike Insurance Policy. It's a well-rounded policy and totally perfect for my Hero bike.

    Read More

    K
    By Kunal Kumar
    On: September 8, 2023
  • Expertise and Professionalism

    The mechanics at InsuranceDekho's Cashless Garages demonstrate exceptional expertise and professionalism. Their attention to detail and commitment to customer satisfaction are truly commendable. I am glad that I bought this added benefit along with the Royal Sundaram Bike Insurance Policy to safeguard my BMW bike.

    Read More

    V
    By Vasydev Kukreja
    On: September 4, 2023
  • Reliable Partner for Car Prote...

    InsuranceDekho has proven to be a reliable partner in protecting my Aprilia bike. Their own damage insurance which I added to my Royal Sundaram Bike Insurance Policy offers the coverage I need.

    Read More

    M
    By Manish Kadakia
    On: August 28, 2023
  • Savings and Affordability at Y...

    The premium calculator empowered me to find affordable insurance options that fit my budget. It's a great tool for those looking to maximize savings. I could secure my Ampere bike with the Royal Sundaram Bike Insurance Policy.

    Read More

    S
    By Sanjay Shirodkar
    On: August 24, 2023
  • The Right Choice for Responsib...

    I was looking for a new insurer for my Royal Enfield bike. A fellow biker suggested InsuranceDekho. It’s third-party Royal Sundaram Bike Insurance Policy is the right choice for responsible drivers who want to protect others on the road.

    Read More

    S
    By Sourabh Dua
    On: August 23, 2023
  • Wide Range of Insurance Produc...

    I was impressed with the variety of insurance products covered by InsuranceDekho's premium calculator. It catered to different types of insurance, from health to motor and more. After much comparison, I finally bought the Royal Sundaram Bike Insurance Policy for my BMW bike.

    Read More

    S
    By Shubham Agarwal
    On: August 10, 2023
  • Prompt Claims Settlement for T...

    I had a third-party liability claim under the Royal Sundaram Bike Insurance Policy for my TVS bike with InsuranceDekho, and they settled it promptly. Their efficiency and professionalism were commendable."

    Read More

    S
    By Sam Kapoor
    On: August 9, 2023
  • Prompt Customer Support

    I had a few queries about the coverage in my comprehensive bike insurance provided under the Royal Sundaram Bike Insurance Policy for my Hero bike, and the customer support team at InsuranceDekho was prompt and helpful in resolving them.

    Read More

    S
    By Subroto Banerjee
    On: August 7, 2023
  • Complete Coverage with Own Dam...

    I opted for InsuranceDekho's own damage policy to my Royal Sundaram Bike Insurance Policy, and it offered complete coverage for my Aprilia bike. Whether it was a minor scratch or a major collision, they covered it all without any hassle.

    Read More

    By Gaurav Grover
    On: July 31, 2023
  • Quick Response to Claims

    When my Aprilia car was damaged in a hailstorm, I submitted a claim online for my Royal Sundaram Bike Insurance Policy through InsuranceDekho's portal. While the overall process was smooth, it took a couple of days for them to get back to me. However, once they did, everything was handled efficiently.

    Read More

    By Rimpy Tyagi
    On: July 25, 2023
  • Easy and Efficient Premium Cal...

    I found Insurance Dekho's premium calculator to be incredibly easy to use. It quickly generated quotes, allowing me to compare car insurance policies effortlessly and decide that the Royal Sundaram Bike Insurance Policy was the best policy for my Kawasaki bike.

    Read More

    A
    By Ajay Singh
    On: July 21, 2023
  • Reliable and Trustworthy

    The third-party policy from gwsuranceDekho proved to be reliable and trustworthy for my TVS bike. The coverage and claim settlement process that came with the Royal Sundaram Bike Insurance Policy gave me confidence as a satisfied customer.

    Read More

    P
    By Prashant Gangwani
    On: July 20, 2023
  • Timely Claim Settlement under ...

    When I made a claim under InsuranceDekho's comprehensive policy, the settlement was handled promptly. The efficient process for the Royal Sundaram Bike Insurance Policy ensured that I could get back on the road quickly with my Triumph bike.

    Read More

    A
    By Ashish Gupta
    On: July 18, 2023
  • Wide Network of Garages

    InsuranceDekho has an extensive network of cashless garages, which is great for those who travel frequently. No matter where I was, there was always a trusted garage nearby for repairs for my KTM bike that I secured with the Royal Sundaram Bike Insurance Policy.

    Read More

    R
    By Ray Mangal
    On: July 14, 2023
  • Continuous coverage with renew...

    InsuranceDekho's bike insurance renewal process allowed me to maintain comprehensive coverage for my Royal Enfield. They offered the same level of protection as before under the Royal Sundaram Bike Insurance Policy, ensuring continued financial security for my bike.

    Read More

    A
    By Ankit Chopra
    On: July 12, 2023
  • Easy Process for Continued Pro...

    InsuranceDekho made the renewal process for own damage car insurance easy. Sometimes I had taken the Royal Sundaram Bike Insurance Policy for my Yamaha bike with the added benefit of own damage. Their online platform allowed me to renew my policy conveniently, ensuring continued protection for my vehicle.

    Read More

    K
    By Kevin Murry
    On: July 11, 2023
  • Quick and Easy Claim Settlemen...

    I had a positive experience with InsuranceDekho's zero dep car insurance during the claim of the Royal Sundaram Bike Insurance Policy. They promptly settled the claim, considering the full cost of repairs for my Royal Enfield bike without any depreciation deductions. It was hassle-free and convenient.

    Read More

    A
    By Aniket Marwaha
    On: July 7, 2023
  • A Blessing in Disguise

    When my Honda car needed repairs, the hassle-free process and prompt settlement between the garage and InsuranceDekho with the help of my Royal Sundaram Bike Insurance Policy were a blessing. I didn't have to worry about managing finances during an already stressful time. A must-have feature in any car insurance policy!

    Read More

    Y
    By Yuvraj Batra
    On: July 5, 2023
  • Reliable Coverage for Third-Pa...

    The third-party coverage provided by Royal Sundaram Bike Insurance Policy for my Aprilia bike has been reliable and effective. It ensures that I am financially protected in case I cause damage to someone else's vehicle or property. InsuranceDekho has been prompt in handling third-party claims and has provided the necessary support throughout the process.

    Read More

    T
    By Tushar Sethi
    On: June 30, 2023
  • Value for Money

    I felt that comprehensive coverage for the Royal Sundaram Bike Insurance Policy was good value for money. The premiums were reasonable and I knew that I was getting the coverage I needed for my Benelli bike. Thanks, InsuranceDekho for suggesting this wonderful plan.

    Read More

    E
    By Eshant Guglani
    On: June 28, 2023
  • Fair settlement claim process

    I was very happy with the settlement that I received from my Royal Sundaram Bike Insurance Policy from InsuranceDekho. They took into account the value of my Honda car and the cost of repairs, and they gave me a fair settlement. I would definitely recommend this company to others.

    Read More

    By Kunal Bedarkar
    On: June 26, 2023
  • Safety and Security on the Roa...

    As a responsible driver, I understand the importance of third-party car insurance. The Royal Sundaram Bike Insurance Policy from InsuranceDekho ensures that I am protected from liabilities and potential lawsuits if I cause damage to someone else's property or injure another person in an accident. It's a reliable safety net that allows me to drive my Suzuki bike with confidence and peace of mind.

    Read More

    A
    By Anupam Anand
    On: June 22, 2023
  • Comparison of Coverage and Pre...

    The car insurance premium calculator at InsuranceDekho played a crucial role in comparing coverage options and premiums from different insurance companies. By inputting the same details across various calculators, I was able to evaluate the differences in coverage levels and corresponding premium costs. This allowed me to make an informed decision of selecting the Royal Sundaram Bike Insurance Policy for my Royal Enfield bike and I am very happy with my decision.

    Read More

    A
    By Ajay Nagpal
    On: June 21, 2023
Royal Sundaram Reviews

Royal Sundaram Zero-Depreciation Add-on Cover FAQs

  • Does Zero Depreciation provide cover for any damage outside the geographical zone?

    Zero Depreciation cover will provide coverage only in the geographical area and not for any incident occurred outside the area. The Royal Sundaram comprehensive bike insurance policy with or without the Zero Depreciation add-on has a pre-decided geographical limitation for each policyholder.

  • Do I have to renew the Zero Depreciation cover each time I renew my policy?

    Yes, you will have to renew the Zero Depreciation cover each time you renew your comprehensive policy. However, you can pay the complete premium of your policy along with the Zero Depreciation at the time of purchase. It will free you from the hassle of renewal.

  • Who should opt for the Zero Depreciation Cover?

    Any bike owner should opt for the Zero Depreciation add-on to avoid the depreciation charge and the expense of repairing or replacing bike parts. However, it is best suited for luxury bike owners and new drivers.

  • How can I add the Zero Depreciation cover to my policy?

    You can add the Zero Depreciation cover to your policy in the following ways

    • Visit their official website
    • Dial their toll-free number 1860 425 0000
    • Visit the nearest branch

    You can add this cover to your comprehensive bike insurance policy at the time of purchase, renewal or in the middle of the tenure.

  • Does the Zero Depreciation cover provide for plastic parts of bikes?

    Yes, the Zero Depreciation provides coverage for the plastic parts of the insured bike. The rate of depreciation for plastic parts without the Zero Depreciation charge is 50%. But with the Zero Depreciation cover, the charges become nil.

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