When it comes to car insurance, depreciation can have a big impact on your claim payout. Standard policies deduct depreciation on replacement parts, which means you pay a portion of repair costs out of pocket. Go Digit Zero Depreciation Car Insurance eliminates this deduction, ensuring you get maximum claim benefits and peace of mind. In this comprehensive guide, we’ll break down its coverage, available add-ons, cost components, and why it’s a smart choice for many car owners.
With over 15 years of experience in crafting insurance content and more than 10,000 blogs published in this domain, I’ve seen firsthand how a zero depreciation add-on can make a significant financial difference—especially for new and premium cars.
What Is Go Digit Zero Dep Car Insurance?
Go Digit Zero Dep Car Insurance (Zero Depreciation Cover) is an optional add-on you can attach to your comprehensive car insurance policy. Normally, when you claim for damages, depreciation is subtracted from the value of replaced parts based on their age and usage. With zero dep cover, depreciation is not deducted, which means you receive the full claim amount for parts that are replaced.
This add-on is particularly valuable for vehicles up to 5 years old, where depreciation rates are high.
What Does Zero Dep Coverage Include?
Go Digit’s zero dep cover typically protects:
- Full repair or replacement cost of damaged parts
- No depreciation deduction on plastic, rubber, and metal parts
- Multiple claims in a policy year (based on plan terms)
- Effective when combined with comprehensive insurance
Parts commonly covered include:
- Bumpers
- Headlights & taillights
- Wiring & brackets
- Body panels
- Interior plastic trims
This ensures you are not paying extra for vehicle parts that lose value quickly.
Why Standard Insurance Isn’t Enough
In a standard comprehensive policy, depreciation is applied to parts based on age. For example:
- Plastic parts: ~50% depreciation
- Rubber parts: ~40% depreciation
- Metal parts: ~30% depreciation
This means even if your repair cost is ₹10,000, depreciation could reduce your claimable amount to ₹4,000–₹7,000. Go Digit’s zero dep add-on ensures you get the full ₹10,000, boosting your financial protection.
Add-Ons Available With Zero Dep Cover
While zero depreciation is itself an add-on, Go Digit offers several other useful riders that enhance your coverage:
- Engine Protection Cover
Covers engine damage caused due to water ingress, oil leakage, or mechanical failure—particularly relevant during monsoon seasons or off-road drives.
- Roadside Assistance
Provides on-the-spot help such as
- Towing service
- Battery jump start
- Flat tyre change
- Fuel delivery
This is valuable for long journeys or breakdowns in remote areas.
- Return to Invoice Cover
If your car is totally lost or declared a total loss, this add-on pays the full invoice value (including registration and taxes), not just the IDV.
- Consumables Cover
Covers small consumable parts such as engine oil, nuts, bolts, and lubricants used during repair.
- NCB Protection
Protects your No Claim Bonus even if you make a claim, helping you retain premium discounts in future years.
Benefits of Go Digit Zero Dep Car Insurance
1. Higher Claim Payouts
No depreciation deduction means more money in your pocket after repairs.
2. Better Protection for New Cars
Especially useful for cars under 5 years old with high part replacement costs.
3. Multiple Claims Allowed
Many policies allow zero dep benefits on multiple claims within the same policy year.
4. Peace of Mind
You don’t have to stress about losing money due to unavoidable depreciation.
5. Works With Cashless Service
Use the cashless garage network to get repairs without upfront payments.
Who Should Opt for Zero Dep Cover?
Zero-dep car insurance is recommended for:
- New vehicle owners (typically <5 years old)
- Cars with expensive replacement parts
- Frequent commuters or city drivers
- Drivers seeking maximum claim benefits
If you want to avoid out-of-pocket expenses during claims, this add-on is worth considering.
How Much Does Zero Dep Cover Cost?
The premium for Go Digit zero depreciation cover depends on several factors:
- Car make & model
- Vehicle age
- Insured Declared Value (IDV)
- City of registration
- Claims history & No Claim Bonus
- Add-ons selected
Approximate Cost Range (Indicative)
- Small cars: ₹2,000 – ₹4,000 per year
- Mid-size cars: ₹4,000 – ₹7,000 per year
- Premium or luxury cars: ₹7,000 – ₹12,000+ per year
Actual rates may vary based on specific vehicle details, coverage levels, and insurer pricing.
Using an online premium calculator helps you get precise figures instantly.
How to Add Zero Dep Cover to Your Policy
- Visit Go Digit Insurance portal or app
- Enter your car and policy details
- Select comprehensive insurance
- Choose Zero Depreciation Cover
- Add any other riders you need
- Review and pay online
- Download updated policy instantly
Online buying avoids paperwork and saves time.
Zero Dep Claim Process
Filing a claim with zero depreciation cover follows the normal claim steps:
- Report the incident asap (online/app)
- Submit required documents
- Survey verification
- Cashless or reimbursement repair
- Claim settlement with full parts value
Keep your policy and vehicle details handy for a smoother process.
Tips to Maximize Benefits
- Renew your policy before expiry
- Maintain a clean claim history
- Compare quotes before checkout
- Choose only required add-ons
- Use network garages for cashless claims
These actions can help you optimize protection and cost.
Frequently Asked Questions (FAQs)
Q1. Can I get zero depreciation for old cars?
Often available for cars up to 5 years old; terms may vary.
Q2. Does zero dep apply even if multiple claims are made?
Most plans allow multiple claims benefits within the same policy period—check specifics.
Q3. Does zero depreciation increase premium drastically?
It increases the premium modestly, but the claim savings outweigh the cost.
Q4. Can zero dep be purchased during renewal?
Yes—you can add it when renewing your comprehensive policy.
Q5. How does Square Insurance help?
squareinsurance helps users compare Go Digit zero dep insurance premiums, select suitable add-ons, and complete the purchase or renewal online with expert guidance.
Conclusion
Go Digit Zero Dep Car Insurance – Coverage, Add-Ons & Cost is a valuable add-on for car owners who want maximum claim payouts without depreciation deductions. For newer cars or vehicles with expensive parts, this cover significantly reduces your repair liabilities — making it a smart and cost-effective choice.
Important Note
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