Skip to Content
MOTOR INSURANCE ADD-ON

Your car loses value. Your protection doesn't have to.

Every car depreciates with age. But when you make a claim, that depreciation can affect the amount payable for certain parts. That's where Zero Depreciation Cover comes in.

🚗
ADD-ON COVER ZERO DEP

Is Zero Depreciation Cover actually worth paying for?

For many car owners, especially those with newer vehicles, it can provide valuable protection against depreciation deductions on covered parts during eligible claims. But it isn't automatically the right choice for everyone.

What does Zero Dep actually do?

Think of it as protection against depreciation on covered parts, subject to the policy.

🛠️

Parts Replacement

When covered parts are replaced after an admissible claim, depreciation deductions may otherwise apply depending on the policy.

🛡️

Depreciation Protection

Zero depreciation cover is designed to reduce the impact of depreciation on eligible parts during covered claims.

✨

Useful for New Cars

It can be particularly attractive for owners of newer cars who want broader financial protection after an accident.

When does Zero Dep make more sense?

New or relatively new car Depreciation protection can be more valuable when the vehicle is newer.
Expensive vehicle parts Replacement costs can be significant for modern vehicles.
Frequent city driving Higher exposure to minor accidents can make additional protection attractive.
You prefer predictable claim costs The add-on may reduce the impact of depreciation deductions on eligible parts.

Zero Depreciation — FAQs

Zero Depreciation Cover is an add-on designed to reduce or eliminate applicable depreciation deductions on covered parts during eligible claims, subject to the policy terms.
It can be worthwhile for car owners who want stronger protection against depreciation deductions, particularly for newer vehicles. The decision depends on the vehicle, premium and policy conditions.
No. Zero Dep is an add-on, not unlimited coverage. Applicable deductibles, exclusions, limits and policy conditions still apply.
No. Comprehensive insurance is a broader base motor insurance policy. Zero Dep is an additional cover that can be added to eligible policies.

Sometimes paying a little more means worrying a little less.

Compare the add-on with your vehicle's age, usage, coverage requirements and policy terms before choosing.

Talk to Us on WhatsApp