Bumper to Bumper Car Insurance Add on Cover

Bumper-to-bumper car insurance, also called zero-depreciation cover, provides complete protection for your vehicle by covering repair costs without considering depreciation. This ensures minimal out-of-pocket expenses and maximum coverage for parts like plastic, fibre, and metal during claims. Ideal for new or high-value cars, this add-on offers peace of mind and convenience, with easy online purchase or renewal in just a few clicks.

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What is Bumper to Bumper Insurance?

Bumper to Bumper cover usually comes as an 'add-on' with a comprehensive insurance policy with a little extra premium. Let’s first understand what Bumper to Bumper cover is.

Well, in a layman’s term it is a car insurance add-on that covers every inch of your car leaving certain engine damage, tires, batteries, and glass. This is your superhero that takes care of your car offering 100% coverage in an unfortunate event of car damage, unlike your regular car insurance policy.

Bumper to Bumper car insurance is also called as zero depreciation car insurance or Nil depreciation car insurance. This is because it subtracts the depreciation value of car parts at the time of claim, thus ensuring complete coverage.

This cover is specifically popular among new vehicle owners, who don’t even want a small dent or scratch on their brand-new car and those who like to own expensive high-end cars with rare, expensive spare parts. These owners, when asked to pay an extra premium for the 100% coverage, find it a mere small price for their car’s protection.

Why is Bumper to Bumper Car Insurance Important?

Saves Money

Bumper to bumper auto insurance add-on ensures you get the full Insured Declared Value (IDV) of your car for repairs or replacements. This is because with this cover, the cost of depreciation is not considered, implying that you won’t have to pay extra at the time of claim. In this regard, Digit’s car insurance online policy might just be the best choice!

Higher Claim Amount

With Bumper to Bumper cover the depreciation amount on car parts will not be subtracted, which means that you’ll receive the full amount needed for repairs or replacements, leading to a higher payout when you make a claim.

Affordable

You can purchase this add-on with your standard comprehensive or own damage car insurance by paying a small additional premium. It’s an affordable way to ensure better protection for your car and your finances.

Peace of Mind

With Bumper to Bumper add-on, you can feel confident that you’re financially covered in case your vehicle gets depreciated or in case of an accident, giving you peace of mind.

limitations of bumper to bumper car insurance

Limitations of Bumper to Bumper (Zero or Nil Depreciation) Insurance

While bumper-to-bumper car insurance addon protects your car in any unfortunate event; however, it does not cover some aspects of the claim, such as:

Unlike metal car parts, the fibreglass parts are depreciated by 30% and do not enjoy complete coverage.

Depreciation on rubber, plastic, nylon parts and batteries is not covered.

Depreciation on wooden parts is considered to be 5% in the first year and 10% in the second year, and so on.

How is Depreciation Calculated in Car Insurance?

According to IRDAI, following are the depreciation rates, based on which the total depreciation of your car is calculated:

Depreciation Rates for Different Parts in Vehicles

Vehicle Parts	Depreciation Rate (%)
Rubber, Nylon and Plastic Parts	50%
Fiber Glass	30%
Glass	Nil
Car Paint	50% depreciation on the material cost of total painting charges. 25% of the total painting charges (in case of consolidated bill of painting charges)

Depreciation Rates for Metallic Parts in Vehicles

Age of Vehicle	Rate of Depreciation
Less Than 6 Months	Nil
More Than 6 Months to 1 Year	5%
More Than 1 Year to 2 Years	10%
More Than 2 Years to 3 Years	15%
More Than 3 Years to 4 Years	25%
More Than 4 Years to 5 Years	35%
Exceeding 5 years but not exceeding 10 years	40%
More Than 10 Years	50%

Depreciation Rates for All Other Parts in Vehicles

Age of Vehicle	% of Depreciation
Below 6 months	Nil
Exceeding 6 months but not exceeding 1 year	5%
Exceeding 1 year but not exceeding 2 years	10%
Exceeding 2 years but not exceeding 3 years	15%
Exceeding 3 years but not exceeding 4 years	25%
Exceeding 4 years but not exceeding 5 years	35%
Exceeding 5 years but not exceeding 10 years	40%
More than 10 years	50%

Depreciation Rate for Fixing IDV of Vehicle

Age of Vehicle	% of Depreciation for Fixing IDV
Not Exceeding 6 months	5%
Exceeding 6 months but not exceeding 1 year	15%
Exceeding 1 year but not exceeding 2 years	20%
Exceeding 2 years but not exceeding 3 years	30%
Exceeding 3 years but not exceeding 4 years	40%
Exceeding 4 years but not exceeding 5 years	50%

What’s Not Covered in Bumper to Bumper Car Insurance?

Here are some things that are not included under the bumper-to-bumper insurance coverage:

If the age of your vehicle is 5 years or more, it will not be covered

If any illegal or unethical involvement of the vehicle is reported, the insurance company will not process the claim

If the vehicle is being used for commercial purposes

Certain engine damage, battery/tyre/ clutch plates/ bearings damage

If the driver was under drugs or alcohol influence during car damage

If the papers of the vehicle are incomplete

If the claim is not done as per the timeframe of the policy

Damage due to uninsured peril

Damage due to mechanical breakdown

Damage to items like accessories, gas kit and tires

Factors Affecting Bumper to Bumper Car Insurance Premium

These factors affect the premium of your bumper-to-bumper insurance coverage:

Vehicle’s Age - Newer cars or bikes typically have higher premiums for bumper-to-bumper insurance coverage compared to older vehicles, as their parts are valued higher and are more likely to be covered fully.
Vehicle’s Make/Model - High-end or luxury vehicles generally have higher premiums because their parts are more expensive to replace, which means that bumper to bumper insurance cost will also be higher.
Location - The RTO location of your car or the area where you drive your vehicle the most also impacts the premium. Areas with high traffic density or higher accident rates can lead to higher bumper to bumper insurance premiums.
IDV and NCB - The IDV of your vehicle, which is the current market value of your car/bike also determines the premium of your insurance. Further, Let's understand what is no claim bonus in car insurance. So, if you have not filed for any claims in the previous policy years, you can avail of the No Claim Bonus (NCB) to lower your bumper to bumper cover premium.

Comprehensive Policy with and without Bumper to Bumper Cover

Parameters	Comprehensive Policy WITH Bumper to Bumper Cover	Comprehensive Policy WITHOUT Bumper to Bumper Cover
Meaning	Bumper to bumper insurance coverage is an optional add-on that ensures your insurer won’t charge for your car’s depreciation during claims.	Without bumper to bumper insurance coverage, a comprehensive insurance policy will cover your car’s own damages and third-party damages but will include the amount of depreciation during claims.
Coverage	Provides 100% coverage with nil depreciation.	Provides coverage after depreciation.
Premium	Its premium is a bit higher due to additional cover.	It has standard policy premium.
Cost of Damage	Your insurance company will be responsible for paying the depreciation amount on vehicle parts.	You are responsible for paying the depreciation amount on vehicle parts.

The only catch here, of course, is that you pay a little higher premium when you opt for a Bumper to Bumper add-on with your comprehensive car policy. Although to win some you lose some, here you pay a higher premium and you get your peace of mind.

Role of Bumper to Bumper Car Insurance During Claim Settlement

If you have a standard insurance policy and your car suffers damage of about ₹15,000, you will have to shell out some percentage of the amount from your pocket as per the damage. The remaining amount will be is covered in your insurance policy after calculating the depreciation amount of the parts damaged.

This picture is quite dismaying, and this is exactly why a bumper-to-bumper cover is gaining popularity among masses over the regular vehicle insurance. Trustable insurance companies such as Digit Insurance offer their customers this Add on cover with the comprehensive policy to make the customers make the most of their policy.

Now if your vehicle’s insurance has zero depreciation cover and your car suffers damage of ₹15,000, you will get total (100%) coverage for all fiber, rubber and metal parts without deduction of any depreciation.

Things to Consider Before Buying Bumper to Bumper Car Insurance

Before you choose this cover, it is important that you consider the following factors:

The number of claims: The insurers limit the number of car insurance claims one can make in a year. It is done to limit the customers from filing a claim for every single dent. Therefore, it is important to check the number of claims your insurer provides.

Cost: Bumper to Bumper comes with a high premium because of an obvious reason, it offers complete coverage without considering depreciation. So, it charges a slightly higher premium than the comprehensive policy.

Available for new cars: It is primarily available for new cars and for cars up to 5 years old. It is cost-effective for customers too; as people don’t mind paying a little extra to protect their brand-new car.

Who Should Buy Bumper to Bumper Insurance?

This cover was introduced in India in 2009, and since then this plan is a boon to a lot of car owners especially the ones mentioned:

A new car owner or anyone who’s car is less than 5 years old

New or inexperienced drivers

Owners of high-end luxury supercars with costly spare parts

Owners residing in/near the areas where accidents occur too often

If you are concerned about even the tiny little dents and bumps

When you choose Bumper to Bumper addon cover, you choose your peace of mind. You choose extensive protection against unforeseen circumstances for both your vehicle and your pocket. It is like an umbrella giving you protection against something unexpected, saving you from all the unnecessary expenditures. Make a wise decision for your car and your pocket by opting for this cover with your policy.

FAQs about Bumper to Bumper Car Insurance

All

What does bumper to bumper car insurance cover?

Bumper-to-bumper insurance covers all parts of the car when purchased with comprehensive car insurance, including rubber, fiber, and metal parts without any depreciation deductions.

What is bumper to bumper insurance meaning?

Bumper-to-bumper insurance is simply an add-on cover available with comprehensive and own damage insurance. This cover helps you get a higher claim amount as it does not deduct depreciation from the parts of the vehicle that have been repaired or replaced.

Is Bumper to bumper car insurance mandatory in India?

No, bumper-to-bumper insurance is not mandatory in India; it's an optional add-on that you can buy along with comprehensive or own damage insurance policies.

Is bumper to bumper the same as zero depreciation insurance?

Yes, bumper-to-bumper insurance coverage and zero-depreciation insurance are the same and both cover the repair costs without depreciation.

Can I claim bumper-to-bumper insurance if I damage my own car in an accident?

Yes, a bumper-to-bumper cover in insurance only implies that depreciation won’t be accounted for during claim payouts. Your own damage will be covered for, nonetheless.

If somebody hit my car parked in the parking lot, will my car’s damage be covered under bumper to bumper insurance?

Yes, if you have Standalone OD cover will cover your own car for the damages, however, a bumper-to-bumper cover only ensures that depreciation won’t be considered at the time of claim payout.

How to check bumper to bumper insurance?

You can check bumper to bumper insurance either in your policy document or contact your insurance provider to confirm if your policy includes bumper-to-bumper coverage.

Is car bumper covered under car insurance?

Yes, your car bumper will be covered if you’ve opted for Comprehensive Car insurance or Standalone Own Damage Car insurance.

What will happen if you don't report an accident within 24 hours?

One must report an accident immediately, within the time window provided by your insurer. If you fail to do so, your car insurance claim may be rejected.

What is the difference between comprehensive and bumper to bumper insurance?

Comprehensive insurance covers vehicles against damage due to accidents, theft, fire, natural calamities, and third-party liabilities. Bumper-to-bumper (or zero-depreciation) insurance is an add-on that doesn’t consider the depreciation costs for car parts during claims.

Is airbag covered in bumper to bumper auto insurance?

Yes, bumper-to-bumper insurance usually covers airbag repairs or replacements without depreciation, however, check the same with your insurer.

Can I get bumper to bumper insurance after 5 years?

Generally bumper-to-bumper insurance cover is available for vehicles up to 5 years old because after that their depreciation increases significantly. However, it's best to check the same with your insurer.

How much does bumper to bumper insurance cost?

The premium varies depending on different factors like the vehicle's make and model, age, location, IDV, your insurer, and insurance plan chosen.

How to claim bumper to bumper insurance?

To claim, report the damage to your insurer, provide the required documents and follow the insurer's claim process by visiting their app or website.

Is tyre covered under bumper to bumper insurance?

No, wear and tear of tyres is not covered under bumper-to-bumper insurance, but it's best to confirm with your insurer regarding specific policy details.

Is the battery of my car covered under the bumper to bumper cover?

No, bumper to bumper insurance coverage does not cover the cost to replace or repair the battery of your car.

Can I cover damages to my car’s gearbox under the bumper to bumper cover?

No, bumper to bumper insurance coverage does not cover damage to the gearbox of the insured vehicle.

Should I raise a claim for small scratches under the bumper to bumper insurance cover?

Raising frequent claims for small scratches will negatively impact your NCB, so it is advisable to raise a claim only when the damage is substantial and requires a lot of money to repair the vehicle.

Is it worth it to buy bumper to bumper insurance for used cars?

Bumper to bumper cover is worth it when bought for new cars, expensive cars or used cars if the vehicle is not more than 5 years old.

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

Yes, you can upgrade your third-party insurance into a bumper-to-bumper policy during renewal by choosing bumper-to-bumper cover with either comprehensive or own damage car insurance.

Written By

Manasvi Gupta

Reviewed by:

Mayur Kacholiya