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Comprehensive car insurance from Reliance General Insurance provides robust protection against potential risks, offering a range of add-on options to enhance your policy’s coverage. One such valuable add-on is bumper-to-bumper insurance. This coverage ensures that the value of your car parts, which can be affected by age, wear and tear, or damage, is fully protected.With Reliance bumper-to-bumper insurance coverage, you receive complete coverage for all car parts in the event of an accident, minimising out-of-pocket expenses. Let us understand the meaning, workings and benefits of bumper-to-bumper car insurance add-on by Reliance General Insurance.
Bumper-to-bumper insurance, also known as zero depreciation or nil depreciation cover, is an add-on that ensures you receive the full claim amount without factoring in the depreciation of your car’s parts.This add-on provides overall financial protection against depreciation rates. It helps you save the deductions applied due to depreciation caused by increasing wear and tear with age and usage of the vehicle.Over time, your car’s value reduces as usage and wear and tear increase. Standard car insurance deducts the depreciation value of the parts during the claim settlement. A bumper-to-bumper add-on cover covers the entire cost of replacing or repairing damaged parts. This means that in the event of an accident, you won’t have to bear the costs of depreciation on items like plastic, metal, glass, fibre, etc.Bumper-to-bumper car insurance is particularly beneficial for new or high-end cars, as it significantly reduces out-of-pocket expenses during repairs.You can opt for our add-on when buying a new car or renewing your car insurance policy. However, it is important to note that our bumper-to-bumper insurance coverage covers the cost of all the parts except for the engine, batteries, tyres, tubes and glass.To save your out-of-pocket expenses, assess your needs, consider all the factors that may affect your insurance premiums and opt for our most valuable add-on feature.
According to the Insurance Regulatory and Development Authority of India (IRDAI), the rate of depreciation is as follows:
With respect to parts replaced, these are the depreciation rates set by the IRDAI:
Rate of depreciation for all other parts, including wooden parts:
Let us look in detail at how depreciation affects your insurance and why it is important to buy bumper-to-bumper car insurance:
As mentioned earlier, the value of your car depreciates over time due to various reasons. As a result, you do not receive the entire reimbursement amount when you make insurance claims. Thus, this directly affects your insurance coverage and premium costs.So, when you claim your car insurance, the amount received will be reduced as per the depreciation rates. Let us understand how it can affect your insurance claims with the following example:
Let us assume that your 3-year-old car was damaged in a road accident. It requires extensive bonnet repair work, a subsequent window repair, and a paint job. Assume that your garage sends you a bill for ₹50,000 with the following break-up:
You now decide to claim your insurance. However, without bumper-to-bumper insurance coverage, the rate of depreciation will be applied. Based on the depreciation rates mentioned above, you will receive your insurance claim (without the bumper-to-bumper add-on) in the following way:
On the other hand, if you opt for our bumper-to-bumper car insurance, the claim amount will increase significantly as the deductions due to depreciation will not be applicable. This gives you peace of mind, knowing you will be able to claim almost 100% of your repair costs and save money.
With our nil depreciation cover, you get the full claim of your sum insured in case of an accident. It covers the costs that are usually excluded from the standard car insurance policy.
With age, your car loses its market value. This directly affects your insurance premium and amounts received during claim settlement for their repair and replacement. Vehicle insurance with bumper-to-bumper ensures that you receive the claim without deductions based on depreciation rates.
Expensive luxury cars must have our add-on to protect their value and provide full coverage benefits to the owners. The repair or replacement costs of such cars are likely higher. Thus, with our nil depreciation add-on, you can claim almost the entire sum insured and effortlessly get the repair work done.
The bumper-to-bumper insurance price does increase the overall car insurance premium costs. However, the increase in the premium rate is fractional and is mostly affordable. Additionally, the increase in premium is worth the added security and eventually helps you save money while claiming the insurance.
Lastly, knowing that your car is well protected and you can claim almost 100% of the insured amount in case of accidental damages, you can drive around with peace of mind.
We conduct thorough checks before approving your claim to ensure that the vehicle was used appropriately. Thus, if it is found that the vehicle was used for any illegal or unethical activity, your claim will be declined.
We will declare the claim invalid if we find the driver to be violating traffic laws. This includes driving under the influence of alcohol or other intoxicating substances or driving without a valid driver’s licence.
We have a stipulated time frame for filing the insurance claim. Thus, you must inform us about the accident within 24 hours of the accident. If you fail to register a claim within the timeline, your claim has the grounds to be rejected unless you have a valid reason for the delay in claim intimation.
Our nil depreciation insurance add-on is available only if you have a standalone own-damage or comprehensive policy with us. Moreover, this add-on must be opted for to be applicable when claiming insurance. If you are found to be carrying expired or invalid car insurance at the time of the accident or raise a claim against invalid insurance, your claim will be denied.
Your nil depreciation add-on in car insurance from Reliance General Insurance does not cover damages due to mechanical breakdowns. Thus, claims for such reasons are bound to be rejected.
It does not cover damages to all parts of your vehicle. To file a successful claim, you must know that we do not cover damages to the engine, battery, tyre, glass and bearing.
Our bumper-to-bumper insurance does not cover damages caused to your accessories, such as seat covers or other electronic accessories.
Using a car contrary to its intended use, for example, using a private car for commercial purposes, will lead to claim rejection.
This cover is only applicable to cars under 5 years and you may only raise two claims within a policy year under this cover.
The premium cost for bumper-to-bumper car insurance depends on various factors. This includes the age of your car, make and model and geographical location. Here is how these factors impact the premium costs:
The make and model of your car is one of the most important factors that helps us determine the premium cost. If you own an expensive, luxurious car, the repair and replacement costs will be higher than those of a regular car. Thus, the premium for such a car would be greater than that of a hatchback or SUV.
Similar to the impact of geographical location on our standalone or comprehensive insurance, the premium cost of this insurance also depends on your location.For example, if you live in a location where there is a high risk of floods or other natural calamities, you are more likely to use your claim for repair work. Thus, the premium will be higher for such a location than for less risky locations.
If the car is older, it is likely that the parts already have usage-related wear and tear and may incur more damage due to an accident. So, if your car is older, the premium of your bumper-to-bumper insurance will also be higher.Moreover, it is important to note that this add-on is only applicable to cars under 5 years.
Since this is an add-on feature, it will increase the premium amount of your base policy. Thus, it is important to consider the cost of the premium before buying an insurance policy.Additionally, the factors that directly impact premium costs should be considered. A car insurance premium calculator can help you derive an estimate and make an informed decision.
This type of add-on cover comes with a limited number of claim limits within the policy tenure. The maximum claim limit with Reliance General Insurance is twice in a policy year.
Be thorough with the policy’s terms and conditions and ensure that they align with your requirements. Knowing the terms and conditions of your policy will help you during claim settlement, set the right expectations and make an informed decision.
With Reliance General Insurance, you can enhance your comprehensive or standalone own-damage car insurance plan by opting for our nil depreciation cover. This add-on allows you to enjoy all-round security and use your vehicle with peace of mind.Also, check out our website and choose from the various types of car insurance covers and add-ons.
To claim bumper-to-bumper benefits, initiate a claim by informing us through our helpline number, +91 22 48903009. Next, file a claim with the necessary documents, and take your vehicle to any one of our authorised network garages for quick repair and claim settlement.
No, our nil depreciation add-on does not cover regular tyre and tube wear and tear. It only covers accidental damages and repairs of specific parts mentioned in our policy terms.
While this insurance does cover the expenses of repairing scratches, minor repair costs may impact your No-Claim Bonus (NCB). Additionally, the number of claims is limited to two times, so if you use it for minor repair work, you may exhaust the claims for more expensive repairs.
Yes, we cover the damages to the car bumper under this insurance, provided they result from an accident and not regular wear and tear.
You can check your policy documents or contact our support team to inquire if bumper-to-bumper insurance coverage is included as an add-on cover.
No, this insurance does not cover the repair or replacement costs of the car battery.
This add-on feature offers full coverage without depreciation deductions during claim settlements. Thus, it is highly recommended for new and luxury car owners.
No, engine repair is excluded from this insurance.
Yes, since bumper-to-bumper is an add-on you get under a comprehensive plan, you will also be covered for third-party damage under your base comprehensive plan. However, if you choose this add-on with our standalone own-damage policy, you will need to buy our third-party car insurance for coverage.
Consider buying bumper-to-bumper insurance for used cars up to 5 years old to protect against expensive repairs without depreciation deductions. However, the car’s overall age must be below 5 years to be applicable. You cannot buy bumper-to-bumper insurance after 5 years.
Yes, bumper-to-bumper car insurance covers dents and damages from accidents, ensuring comprehensive protection without depreciation on parts.
Our third-party car insurance provides coverage against third-party liabilities. This policy is not eligible for add-ons. Thus, to add from any of our add-ons, including bumper-to-bumper insurance, you will need to upgrade your car insurance to comprehensive car insurance or add a standalone own-damage cover.
Disclaimer: T&C apply. The information mentioned on this page is only an indication of the coverages/benefits offered by Nil Depreciation for Private Car UIN No. IRDAN103RP0010V02100001/A0003V01200910; Nil Depreciation for Private Car- Bundled, UIN: IRDAN103RP0007V01201819/A0030V01201819; Nil Depreciation for Private Car for Motor Secure Plus and Motor Secure Premium- Own Damage, UIN: IRDAN103RP0001V01201920/A0013V01201920. Please read the policy wordings, brochure, and prospectus before concluding a sale.
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