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DHFL Zero Depreciation Add-On

The value of cars depreciate with time. This impacts the premium cost and claim amount of their insurance. With default depreciation, a car's insurance premium becomes higher and claim amount becomes lesser as both are computed basis the value of the car. Therefore, it is imperative to opt for an add-on cover like Zero Depreciation by DHFL General Insurance Company.

The Zero Depreciation add-on coverage is applied on the Comprehensive/Standalone Own Damage car insurance policy. It ensures that policy claims are calculated without deducting the depreciation on your car and its parts. Otherwise, a standard comprehensive/Standalone Own Damage car insurance policy without this add-on cover provides the claim amount based on the present value of the car computed after depreciation, which is lower due to depreciation. The coverage is available on paying an additional premium.

Benefits of DHFL Zero Depreciation Cover

Customers who pay for this add-on coverage are eligible to get the following benefits:

  • Claims for replacement or repair of the car’s depreciated parts
  • No depreciation will be applicable except tyres, tubes and batteries.

Zero Depreciation Insurance v/s Normal Insurance

Age of car

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%

Disclaimer: Battery / Plastic / Nylon / Rubber parts -> 50% covered; Fiberglass -> 70% covered, Wooden & Metallic parts -> Depreciated basis age of vehicle (normal)

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DHFL Car Insurance User Reviews

4.9
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329 User reviews
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  • Informative website

    InsuranceDekho website is a very informative website, which has detailed information on various plans, claim settlement ratio knowledge, and a lot more. I bought the DHFL car insurance plan for my Ford EcoSport

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    By Yuvraj Singh
    On: June 29, 2022
  • Informative website

    InsuranceDekho website is a very informative website, which has detailed information on various plans, claim settlement ratio knowledge, and a lot more. I bought the DHFL car insurance plan for my Ford EcoSport

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    Y
    By Yuvraj Singh
    On: June 22, 2022
  • Informative website

    InsuranceDekho website is a very informative website, which has detailed information on various plans, claim settlement ratio knowledge, and a lot more. I bought the DHFL car insurance plan for my Ford EcoSport

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    By Yuvraj Singh
    On: May 20, 2022
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    On: March 4, 2022
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    On: February 2, 2022
  • Informative website

    InsuranceDekho website is a very informative website, which has detailed information on various plans, claim settlement ratio knowledge and a lot more. I bought the DHFL car insurance plan for my Ford EcoSport

    Read More

    Y
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    On: February 1, 2022
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DHFL Zero Depreciation Cover FAQs

  • What factors affect the premium of zero depreciation cover?

    Here are the factors that can affect the premium of zero depreciation cover:

    • The age of the car
    • The model of the car
    • Registered location of the car, etc.

  • Can I buy any other add-on cover with zero depreciation add-on cover?

    Yes, you can buy as many add-on covers as you want to with zero depreciation add-on cover.

  • What parts of my car are not included under the DHFL zero depreciation cover?

    This add-on coverage compensates the depreciation of every part of the car, except tyres, tubes and batteries.

  • Do I need to pay for any additional premium to get zero depreciation cover?

    You will have to pay for a bit extra premium in addition to the basic premium amount to get this zero depreciation add-on cover.

  • When can I get this add-on added in my comprehensive car insurance policy?

    You can add this zero depreciation add-on cover to your comprehensive/standalone owner at the time of purchase and renewal of your policy.

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