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Buy Zero Depreciation (Zero-Dep) Two-Wheeler Insurance Online
We all want to protect the things that we love; it’s human nature, and especially if it’s your two-wheeler that you’ve recently bought! Imagine if there was something that could ensure that the things dearest to us always stayed as good as new.
Of course, magic doesn’t exist, but in comprehensive bike insurance, we have something called the zero depreciation cover, and that kind of aims to do something like that. To keep your bike as good as new, as young as it was when you just got it. Think of it as your bike’s very own anti-aging cream. Don’t get it? Hang on, we’ll explain.
What is Zero Depreciation Bike Insurance Add-on?

Is Zero Depreciation a Policy Type or an Add-on?

What Depreciation Means in Bike Insurance?

Is Zero Depreciation Add-on Cover Available for All Types of Vehicles?

Zero-dep bike insurance is available for most types of vehicles; however, it comes with certain conditions. Most insurers do not offer a zero depreciation add-on for vehicles older than 5 years, as depreciation is more significant in older vehicles.
Check: Use the Bike Insurance Calculator to calculate the premium with different add-ons.
Depreciation Rate Applicable for Two-Wheeler Based on Vehicle Age
Depreciation Rates Applicable for Different Parts of Two-Wheelers
Why Choose Zero-Depreciation Bike Insurance by Digit?
What are the Types of Two-Wheeler Insurance Policies?
Third Party | Comprehensive | Own Damage |
Damages/Losses to own two-wheeler due to an accident |
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Damages/Losses to own two-wheeler in case of fire |
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Damages/Losses to own two-wheeler in case of a natural calamity |
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Damages to Third-Party Vehicle |
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Damages to Third-Party Property |
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Personal Accident Cover |
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Injuries/Death of a Third-Party Person |
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Theft of your scooter or bike |
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Customize your IDV |
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Extra protection with customized add-ons |
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Get Quote | Get Quote | Get Quote |
Know more about the difference between comprehensive and third party two wheeler insurance
What's Covered Under Zero Depreciation Add-on Cover?

Following things are covered under zero depreciation add-on cover:
- Compensation for depreciable bike parts i.e. nylon, rubber, fiberglass and plastic parts at the time of claim settlement.
- Your zero-depreciation cover is applicable on all your bike insurance claims, as long as your bike insurance is valid.
- The number of claims allowed under zero dep bike insurance vary based on the insurance company.
What's Not Covered?
Under the Zero Depreciation add-on cover, certain things in addition to the general exclusions listed under two-wheeler insurance are not covered, such as:
- If the bike insurance policy has expired.
- If the damage caused to the two-wheeler can’t be inspected before it is repaired, the claim will not be filed.
- Loss claimed for damage caused to the covered vehicle under different types of insurance policies.
- A claim will not be payable under the Zero Depreciation add-on if it is not covered under the OD section of the policy.
- If there is a delay of more than 30 days since the damage was caused.
- Zero-dep insurance for a bike is not applicable to parts like the battery and tyres of the insured vehicle as per the policy.
- Damage caused due to mechanical faults.
Which Add-ons to Buy with Zero Depreciation Cover?
Along with opting for zero dep bike insurance cover, the following add-ons are also recommended to enhance your two-wheeler insurance coverage:
People with new bikes can opt for return to invoice add-on as will cover the costs of getting you the same, or similar bike- including the road tax and registration fees, in case your bike is stolen or damaged beyond repair.
New bike owners with zero dep cover can opt for the add-on of consumable cover as well because it adds an additional shield to your two-wheeler by covering the cost for all your bike’s nitty-gritties such as the engine oils, screws, nuts and bolts, grease, etc. in the event of an accident.
The roadside assistance add-on ensures that you and your two-wheeler are safe in case of any breakdowns.
Bike Insurance with Zero Depreciation vs without Zero Depreciation
What is the Cost of Zero Depreciation Add-on?

The cost of zero-dep bike insurance cover depends on various factors such as the two-wheeler's make and model, policy premium, age of the vehicle, depreciation on bike parts, etc.
The cost of zero dep in bike insurance makes sense only if your vehicle is comparatively new or has expensive bike parts, as then you get back the cost of depreciation on your bike parts. However, if the two-wheeler is older than 5 years, spending extra on zero-dep add-on cover may not be a good decision.
Things to Remember about Zero Depreciation Insurance

- Zero dep insurance for bike add-on cover will not be valid once you have claimed for the specified number of times as mentioned in the policy document.
- The add-on covers only the cost of your two-wheeler's part depreciation at the time of filing claim and doesn’t cover your compulsory deductibles.
- Claims made by the insured under zero depreciation bike insurance add-on are subject to the terms and conditions of your two-wheeler insurance policy.
Thus, you can enhance the benefits of your standard two-wheeler insurance policy by opting for zero depreciation add-on cover, as it will help you get the full claim amount without considering the cost of depreciation.
What are the Benefits of Zero Depreciation Bike Insurance?

Here's why you should get zero dep bike insurance add-on:
- It helps you maximize your savings during bike insurance claims, as you won’t be spending much from your pocket.
- You get the benefit of getting the full claim amount (after compulsory deductions), since your insurer will no longer subtract your depreciation from your claim amount.
- The add-on acts as a layer of protection for your new bike and its expensive spare parts.
- It acts as an enhanced financial protection cover on your existing bike insurance policy.
FAQs about Zero Depreciation Bike Insurance
What factors affect the zero dep cover premium?
Several factors affect your Zero Dep premium including the age of your vehicle, the make and model, and the location where you are based.
How much does zero dep bike 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.
Is the zero-depreciation add-on useful for a new bike owner?
Yes, the zero-depreciation cover is extremely useful if your bike is new, or less than five years old. Know more about New bike insurance.
Is the zero-depreciation cover for bike insurance useful for an old bike owner?
This depends on how old your bike is! We wouldn’t recommend opting for a zero-depreciation cover if your bike is close to, or more than five years old. Know more about Old bike insurance.
What are the conditions for availing the zero-depreciation bike insurance cover?
The only conditions are, you can only opt for it in a comprehensive bike insurance policy and only if your bike is less than five years old.
What is the difference between comprehensive and zero dep bike insurance?
Comprehensive insurance covers two-wheelers against damage due to accidents, theft, fire, natural calamities, and third-party liabilities. Zero-depreciation insurance, on the other hand, is an add-on that doesn’t consider the depreciation costs for bike parts during claims.
I am buying a three-year old second-hand bike. Should I opt for the zero-dep cover?
We usually recommend a zero-dep cover for new bikes. However, since your secondhand bike is less than five years old, you can still opt for a zero cover if the spare parts are expensive. If not, then it’s better that you don’t opt for a zero-dep cover. Know more about second-hand bike insurance.
Can I buy a zero-depreciation cover with a third-party bike insurance?
No, you can't buy a zero-depreciation cover with a third-party bike insurance. A zero-depreciation add-on cover is only applicable in a comprehensive bike insurance.
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.
What is the difference between zero depreciation and own damage cover?
The Own Damage plan covers damage only to your own two-wheeler, and it considers depreciation on bike parts at the time of claim. However, buying the Zero Depreciation add-on cover along with it will help you save claim money as it excludes the value of depreciation on bike parts.
How to claim zero dep bike insurance?
To claim, immediately report the damage to your insurer, provide the required documents and follow the insurer's claim process by visiting their app or website.
Is zero dep a type of bike insurance policy or an add-on?
Zero dep insurance for bike is an add-on cover that can be purchased along with either comprehensive or own damage bike insurance policy.
Is airbag covered in zero depreciation cover?
Yes, it usually covers airbag repairs or replacements without depreciation, however, check the same with your insurer.
Is tyre covered under zero depreciation bike insurance?
No, wear and tear of tyres is not covered, however, confirm the same with your insurer regarding specific policy details.
Can I raise a claim for small scratches under the zero dep 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.