Bumper to Bumper Insurance

Benefits of Bumper to bumper car insurance

When it comes to car insurance, not all plans offer complete protection; one can miss out on numerous opportunities for saving. Standard policies usually factor in depreciation, which means your claim amount gets reduced over time. With the Bumper to Bumper Car Insurance coverage comes in—where you can claim the complete amount of the vehicle has been insured.

Here are the key benefits that make this add-on cover:

Zero Depreciation Deductions

With bumper to bumper insurance coverage, depreciation is no longer your worry. It covers the full cost of repairing or replacing parts—metal, plastic, rubber, fiber, or glass—without any deductions.

Maximum Financial Protection

Car repairs today can be expensive. Bumper to bumper insurance ensures you don't have to dig into your savings to pay for repairs. Whether it’s a cracked bumper or damaged headlamp, you pay significantly less or nothing during a claim—especially beneficial for luxury vehicles.

Peace of Mind During Unforeseen Damages

Accidents or minor mishaps can happen anytime. Bumper to bumper car insurance coverage ensures that you’re not out-of-pocket with repair costs.

Enhance Car’s Resale Value

Regular quality repairs and replacements help maintain your vehicle in top-notch condition. This not only extends your car’s life but also enhances its resale value.

Key features of Zero depreciation add-on

Accidents are never planned—and when they happen, the costs can pile up. From repairs to part replacements, managing vehicle damages can feel overwhelming, both emotionally and financially. Car parts lose value over time due to everyday wear and tear—and that depreciation can significantly reduce your claim amount during repairs. That's where the Bumper to bumper insurance policy, also called the zero depreciation add-on, steps in as your safety.

Here are the key features that make this zero-dep add-on cover a must-have:

Coverage on Replaced Parts

With zero dep add-on cover, your insurer will cover the entire cost of part replacements without factoring in depreciation. Whether it’s metal, rubber, plastic, fiber, or glass.

Multiple Claims

The zero depreciation cover remains active for more than one claim within the policy term, depending on the insurer’s terms and conditions.

Ideal for New and Luxury Vehicles

This add-on is particularly beneficial for new cars, luxury vehicles, or cars with expensive parts. It ensures your high-value asset receives the best care with minimal financial impact during replacements or repairs.

Peace of Mind with Every Drive

Knowing your car is covered without hidden deductions offers complete peace of mind, especially in cities with heavy traffic, unpredictable weather, or long commutes.

Rate of Depreciation on Cars

When it comes to car insurance, depreciation plays a key role in claim settlements. But what exactly is car depreciation, and how does it affect you?

A fixed car depreciation rate can be applied to car components and parts. Depreciation is the reduction in your car’s value over time due to age, wear and tear, and usage. It doesn’t just impact your resale price—it also affects how much you receive during an insurance claim.

Below is the decided car depreciation rate per year:

Features of Bumper-to-bumper Car Insurance Policy

• Covers All Parts: Plastic, rubber, metal, and fibre parts are fully covered without any depreciation cuts under bumper-to-bumper insurance.

• Multiple Claims: You can make several claims during the policy period (depending on terms) with your bumper-to-bumper insurance.

• Authorised Repairs: Repairs are done at trusted workshops to maintain quality under your bumper-to-bumper insurance.

• Higher Claim Amounts: You pay less from your pocket when you make a claim with bumper-to-bumper insurance.

Bumper to bumper car insurance vs Comprehensive car insurance

Why choose Bumper to bumper car insurance?

Enjoy complete coverage with bumper to bumper insurance, also known as zero depreciation car insurance, which gives you maximum protection by covering the full cost of your car's parts without factoring in depreciation during claims.

1. Higher Claim Settlements

With bumper to bumper car insurance, you receive full reimbursement for damaged parts, ensuring you don’t have to pay anything extra due to depreciation.

2. Covers More Than Standard Policies

Unlike regular plans, this bumper to bumper policy covers plastic, fiber, metallic parts, and more—making it ideal for new or luxury vehicles.

3. Peace of Mind for Every Drive

From minor dents to major damages, Zurich Kotak’s bumper to bumper coverage ensures you can repair your car without financial stress.

4. Best Suited for New & High-End Cars

Protect your investment with a policy that maintains the true value of your car, especially during the initial years when depreciation hits hardest.

5. Hassle-Free Claims Process

Our smooth claims experience is supported by a wide network of cashless garages across India and 24/7 assistance.

Factors to consider before choosing Bumper to bumper car insurance

1. Understand What’s Covered

Bumper to bumper insurance, also known as zero depreciation cover, offers extensive protection by covering the full cost of car part replacements without factoring in depreciation.

2. Premium vs Coverage Balance

While bumper to bumper insurance offers broader protection, it comes at a slightly higher premium. Compare plans across providers to ensure you're getting the best value without compromising on key benefits.

3. Availability of Add-ons

Check if the policy allows add-ons like engine protection, roadside assistance, or return-to-invoice cover. These can enhance the overall value of your car insurance bumper to bumper plan.

4. Cashless Network Garage

Cashless network garages across India make repair claims smoother and faster. Always verify the list of partner garages in your area for quick and hassle-free service.

5. Claim Settlement Process

Choose an insurer known for transparent and swift claim processing. A smooth claim experience is crucial during emergencies.

6. 24/7 Support

Good support makes all the difference. Make sure the insurer offers 24x7 assistance for queries, emergencies, and claim-related help.

What is covered by Bumper to bumper car insurance?

·       Full Coverage on Car Parts: Includes metal, plastic, rubber, fibre, and glass components without depreciation deductions under bumper-to-bumper insurance.

·       Body and Bumper Repairs: Covers damages to the car's body, bumpers, and external panels with bumper-to-bumper insurance.

·       Engine and Gearbox Damage: Covers engine and gearbox damages caused by accidents (not due to wear and tear) with zero depreciation.

·       Electrical and Electronic Parts: Includes coverage for damaged headlights, tail lights, sensors, and other electrical components under bumper-to-bumper insurance.

·       Airbags and Safety Equipment: Covers the cost of repairing or replacing airbags and other safety systems damaged in an accident under bumper-to-bumper insurance.

·       Authorised Workshop Repairs: Ensures repairs are done at authorised service centres using genuine parts with bumper-to-bumper insurance.

·       Labour Charges: Includes labour costs involved in repairing or replacing damaged parts with bumper-to-bumper insurance.

·       Multiple Claims: Allows several claims within the policy term (subject to specific policy terms and conditions) under bumper-to-bumper insurance.

This coverage ensures that you receive maximum benefits from your bumper-to-bumper insurance, with minimal out-of-pocket expenses during accidental repairs.

What is not covered by Bumper to bumper car insurance?

While bumper-to-bumper insurance offers broad coverage, some things are not covered:

·       Regular wear and tear of the car

·       Mechanical or electrical issues not caused by accidents

·       Damages from illegal driving (like drunk driving)

·       Tyre and battery damage (partial coverage may apply under bumper-to-bumper insurance)

·       Damages that happen indirectly (consequential damages)

Deciding car Bumper to bumper insurance cost

The cost of bumper-to-bumper insurance depends on several factors:

·       Age of Your Car: Usually available for cars up to 5 years old. Older cars may cost more to insure under bumper-to-bumper insurance.

·       Car Model and Make: Expensive cars have higher premiums due to costly parts under bumper-to-bumper insurance.

·       Location: The cost varies depending on where you drive your car under bumper-to-bumper insurance.

·       Insured Declared Value (IDV): A higher IDV means a higher premium for bumper-to-bumper insurance.

·       Claim History: If you’ve made many claims before, your premium may be higher for bumper-to-bumper insurance.

Why Bumper-to-bumper Insurance is Not Available for Cars Older Than 10 Years?

Bumper-to-bumper insurance is generally not offered for cars older than 10 years due to guidelines set by the Insurance Regulatory and Development Authority of India (IRDAI) and practical reasons related to risk and cost.

Options for Older Cars:

·       Opt for comprehensive insurance with add-ons like Engine Protection, Tyre Cover, and Consumables Cover for extra safety.