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Q Do I need an add on cover if I have zero depreciation cover?
Ans. Mr. Amitabh Jain (Head - Motor Underwriting & Claims) answers questions posed by Mr. Girish Kalra (VP- Corporate Communication, ICICI Lombard) on the need for add-on cover if zero depreciation cover is availed of.
Q Mr. Girish Kalra (VP - Corporate Communication, ICICI Lombard): I have already purchased a zero depreciation cover for my vehicle. Do I still need to buy an add-on cover for covering Hydrostatic Lock?
Ans. Yes. The Zero depreciation policy only covers depreciation of parts in the Own Damage portion. It does not cover consequential losses.
Q Mr. Girish Kalra (VP - Corporate Communication, ICICI Lombard): Is there a specified time when I need to buy add-on cover for Hydrostatic Lock, or can I buy it anytime and from anywhere?
Ans. It is advisable that it is bought along with the policy or when the policy is renewed. But, there are options available wherein it can be bought even later.
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