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08/12/2020 11:53:14
Your vehicle registration number is the unique vehicle identification number issued by Regional Transport Office (RTO) and mentioned in your vehicle RC book. The vehicle registration number is printed on license plate and affixed to your vehicle.
Kindly note: While entering your vehicle registration number, please be careful about similar looking characters and number, like alphabet ‘O’ being used in place of number 0 or vice-versa.
Bumper to bumper car insurance policy, also known as zero depreciation car insurance add-on, covers rubber, fibre and glass parts of your car without factoring in depreciation. If your car gets damaged, bumper to bumper insurance plan covers the entire cost of repairs or replacement of these parts with the insurer not deducting their depreciation value.
In case of a normal car insurance policy , the expenses associated with the damage of car parts can never be completely claimed by the owner of the policy. This is because depreciation costs that occur with wear and tear owing to the ageing of the vehicle are never accounted for in a regular car insurance policy. With the Bumper to Bumper coverage policy, you can override the issues that arise from this fallacy apparent in normal insurance policies.
Without a proper understanding of add-on covers that are available during the purchase of any insurance policy, one can miss out on numerous opportunities for saving. With the Bumper to bumper car insurance coverage, you can claim the entire amount for which your vehicle has been insured without having to shell out money for depreciation costs. Below the benefits offered by Bumper to bumper car insurance:
Other benefits that are included in the policy include:
Bumper to bumper car insurance policy typically covers the repairs and replacement of car parts without deducting depreciation for components like rubber, plastic, glass or metal.
Bumper to bumper insurance doesn’t cover:
The table lists the differences between bumper to bumper car insurance and comprehensive car insurance on various parameters:
Parameter
Bumper to Bumper Insurance
Comprehensive Car Insurance
Coverage scope
Covers almost all parts of the car, including plastic and fibre.
Covers most parts of the car but excludes some items like tyres, batteries and engine wear due to normal usage.
Depreciation Consideration
It’s a zero depreciation cover, meaning no deduction for depreciation on replaced parts
It includes depreciation costs; claim payouts factor in the depreciated value of the parts replaced
Claim Amount
Higher claim amount due to zero depreciation policy
Lower claim amount as the depreciation value is deducted during settlements
Ideal For
New or luxury car owners who want extensive coverage without depreciation deductions
Regular car owners looking for balanced coverage at an affordable cost
Exclusions
May exclude damages caused by regular wear and tear, engine damage due to waterlogging, or specific conditions in policy
Excludes depreciation costs, regular wear and tear, and damages due to mechanical or electrical breakdown
Premiums for car insurance policies depend on:
Here are some key reasons to buy bumper to bumper car insurance or car insurance with zero depreciation add-on:
Bumper to bumper insurance offers extensive coverage for both the car's parts and accessories. This includes non-metallic parts, which are typically not covered under standard policies.
Bumper to bumper car insurance covers the full cost of repairs or replacement without factoring in depreciation. This ensures you get the complete value of your car’s parts when making a claim.
Some vital factors to consider before opting for Bumper to bumper insurance or car insurance with zero depreciation add-on are:
Compare premiums across different insurers to zero in on the one that offers the best value for the coverage. Ensure that the premium is affordable but doesn’t compromise on essential coverage.
Ensure that the insurer has an extensive network of garages for cashless repairs, offering top-notch and prompt services.
Analyse the insurer’s customer service quality. A responsive, easy-to-reach support team is essential, when you need help with claims or policy details.
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