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Bumper to Bumper Insurance

  • Zero depreciation on claim
  • Retain your car's value
 

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  • Your personalised quote delivered directly on WhatsApp
  • WhatsApp notification on policy information, updates & announcements

Understand your vehicle registration number

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.

  • 1 The first two letters together indicates the state in India where the vehicle is registered.
  • 2 The second group comprises two numbers, which represents RTO district code.
  • 3 The last group is usually a unique combination of a character(s) and four digits. If it’s 0001, please enter all the four digits and not just 1.

What is Bumper-To-Bumper Insurance?

Zero Depreciation insurance is also known as Bumper to bumper car insurance. It offers you the maximum claim value in case your car gets damaged without factoring in depreciation. A standard car insurance policy works differently. You can’t claim the entire repair cost. That’s because insurers factor in depreciation caused by wear and tear as your car ages. You end up paying a portion out of pocket. This is where bumper-to-bumper cover makes a difference. It removes the depreciation deduction and helps you make significant savings.

What Is Car Insurance?
Documents Required for Filing a Bike Insurance Claim

Benefits of Bumper-To-Bumper Car Insurance

The potential benefits of a car bumper-to-bumper insurance policy add-on are:

  • You don’t lose money due to depreciation on parts. Insurers cover the full cost
  • It helps reduce out-of-pocket expenses
  • Covers expensive parts, such as metal parts, which are generally not covered by a standard plan
  • Makes your claim more predictable

What is Covered by Bumper-To-Bumper Car Insurance?

A bumper-to-bumper car insurance policy gives you wider financial protection. In a typical policy, when you make a claim, insurers apply depreciation to certain parts of the vehicle. This includes components like rubber, plastic, glass, metal, etc. This can reduce the final payout.

However, coverage in bumper-to-car insurance eliminates such deductions. So, if your car requires repairs or part replacements after an accident, the insurer covers everything without depreciation. This can significantly reduce your out-of-pocket expenses.

What is Not Covered by Bumper-To-Bumper Car Insurance?

There are certain exclusions in bumper-to-bumper car insurance. It doesn’t cover minor scratches to the vehicle, paint fading, wear and tear arising out of normal use, or requiring touch-up or minor repair under routine maintenance.

bumper-to-bumper car insurance limitations also include non-applicability in the event of total loss of the vehicle. It also doesn’t cover expenses for engine damages due to oil leakage, water ingression or mechanical breakdown.

Bumper-To-Bumper Car Insurance vs Comprehensive Car Insurance

Bumper-to-bumper car insurance differs from comprehensive car insurance on several aspects (see table)

Aspects bumper-to-bumper car insurance Comprehensive car insurance
Scope of Coverage It covers almost all car parts While it covers all car parts, it excludes some parts like tyres, batteries, etc
Claim Amount You Get Higher because it doesn’t factor depreciation Lower because the insurer factors in depreciation
Suitable For It’s more suitable for new car owners seeking extensive coverage It’s more suitable for regular car owners
Available As It is available as an add-on with a base policy It’s a base policy and you can the relevant add-ons needed
Out-of-Pocket Expenses It reduces out-of-pocket expenses to a great extent It can be higher as you might have to bear depreciation and some additional costs

Factors Affecting Premium of Car Insurance Policy

Here are the factors that affect the premium of your car insurance policy:

Car’s make and model

The make and model of your car matter a lot. Expensive cars or cars with high-end parts usually cost more to insure because repairs and replacements are costly. On the other hand, small or budget cars generally have lower premiums.

Car’s age

New cars usually have higher insurance premiums because their value is high. As the car gets older, its value drops, and so does the premium.

Add-ons chosen

Add-ons like engine protection or roadside assistance can increase your premium. However, they also offer extra benefits.

Safety features

Cars with safety features like anti-theft devices and anti-lock brakes are considered safer. This can reduce your premium.

Why Choose Bumper-To-Bumper Car Insurance?

Here’s why opting for bumper-to-bumper car insurance makes sense:

Significant savings

If something goes wrong, you don’t have to worry about paying extra. Most repair costs are taken care of, which makes things easier financially.

Peace of mind

You can drive without constantly worrying about how expensive repairs might be after an accident or damage.

Maintain the car’s value

As repairs are done without cutting corners, your car stays in better shape over the years. This helps maintain your car’s value.

Factors to Consider Before Choosing Bumper-To-Bumper Insurance

The essential factors you need to consider are:

Premium costs

It’s always tempting to go for the lowest premium. However, that doesn’t necessarily mean you’re getting the best deal. Take the time to compare multiple offerings and see what’s actually included. A slightly higher premium might offer far better protection.

Network garages

One of the biggest conveniences to look for is access to cashless repairs. Check whether the insurer has a wide network of garages, particularly in your city or areas you frequently travel to. A strong network usually means quicker service, better coordination, and less hassle during claims.

Customer support and service

It’s worth looking into how responsive and helpful the insurer’s support team is. Whether it’s a quick query or a stressful claim situation, having a team that’s easy to reach can make the entire experience smoother.

Car Depreciation Sets By IRDAI

Here’s the car depreciation rate set by IRDAI:

Vehicle’s Age Depreciation Rate
Not more than 6 months Nil
More than 6 months but less than 1 year 5%
More than 1 year but less than 2 years 10%
More than 2 years but less than 3 years 15%
More than 3 years but less than 4 years 25%
More than 4 years but less than 5 years 35%
More than 5 years but less than 10 years 40%
More than 10 years 50%

How to File Bumper-To-Bumper Car Insurance Claim?

Here’s the process to file bumper-to-bumper car insurance claims:

  • Lodge your claim by calling our toll-free number 1800 2666. You can also write to our customer support at customersupport@icicilombard.com
  • Complete video survey with the IL TakeCare app
  • Fill out the claim form and submit the relevant documents
  • We will settle the admissible claim upon successful verification and as per policy terms and conditions
How to Reduce Car Insurance Premium?
How to Buy Two-Wheeler Insurance Online

How to Buy/Renew Bumper-To-Bumper Car Insurance Online?

Follow these steps to buy/renew bumper-to-bumper car insurance online:

1

Visit our official website here

2

Click on ‘Car Policy Renewal’ under ‘Renewals’

3

Enter either your car’s registration number or your policy number

4

Click on ‘Proceed’

5

Follow appearing instructions to renew

Documents Required for Filing a Bike Insurance Claim

Documents Required for Bumper-To-Bumper Car Insurance Claim

You need to produce certain documents for a bumper-to-bumper car insurance claim:

  • Original claim form with NEFT mandate form
  • Copy of registration certificate
  • Policy copy
  • Garage estimate
  • Repair invoice
  • Cancelled cheque (in case of non-cashless settlement)
  • Certified copy of an officially valid document & PAN card/form 60

ICICI Lombard Car Insurance Policy with Bumper-To-Bumper Add-On

The Private Car Package policy from ICICI Lombard comes with a bumper-to-bumper add-on in the form of zero depreciation. While the Private Package policy covers damages suffered by your vehicle due to natural or man- made disasters and also offers a personal accident cover. You can buy the bumper-to-bumper add-on by paying an additional premium.

Click here to download the policy wordings.

Frequently asked questions on Bumper-To-Bumper Car Insurance

What is bumper-to-bumper car insurance?

Bumper-to-bumper car insurance, also known as zero depreciation cover, is an add-on to a standard car insurance policy. It covers the full cost of repairs without factoring in depreciation. This means the insurer pays the complete claim amount for damaged parts, reducing out-of-pocket expenses for the policyholder.

How to check bumper-to-bumper insurance?

Check your policy document for terms like zero depreciation or bumper-to-bumper cover. You can also confirm it through your insurer’s app, website, or by contacting their customer support.

How to claim bumper-to-bumper car insurance?

To claim bumper-to-bumper car insurance, inform your insurer immediately after the accident and file a claim with details of the damage. Submit the required documents, and get the vehicle inspected. Either opt for cashless repair at a network garage or reimbursement after repairs.

Can I upgrade my third-party insurance into a bumper-to-bumper policy?

No, you convert a third-party insurance policy into a bumper-to-bumper policy. Third-party insurance is a type of car insurance policy, while bumper-to-bumper is an add-on. Both serve different purposes.

How to renew bumper-to-bumper insurance?

You can renew by contacting your insurer before the policy expiry date or by renewing it online through the insurer’s website or app. Make sure to review the coverage and check the premium before completing the renewal.

Is bumper-to-bumper insurance worth it?

Yes, bumper-to-bumper insurance is often worth it. This is especially for new cars, as it covers most parts without factoring in depreciation. It reduces out-of-pocket expenses during claims.

Can I buy bumper-to-bumper insurance for used cars?

While you can buy bumper-to-bumper insurance for a used car, it depends on the car’s age and the insurer’s terms. Most insurers offer it only for relatively newer used cars. That said, check with your insurer regarding the purchase.

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