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What is bumper-to-bumper insurance for your car?

While having motor insurance has become mandatory to drive according to the government’s mandate, there are numerous options available in the market for the customer to choose from. However, the rule makes it compulsory for every vehicle owner to have third-party insurance, you can also get a comprehensive plan for extended coverage. Exclusive policy plans like Bajaj Allianz car insurance are the top-selling car insurance in India. They also have bumper-to-bumper insurance for your car, which can provide comprehensive coverage. To help you gain more insight about the same, we have mentioned all the details about the bumper-to-bumper insurance and why you need it for your car. 

What is bumper-to-bumper car insurance?

Also, known as the zero-depreciation car insurance policy, the bumper-to-bumper car insurance offers you an all-in-all coverage irrespective of the depreciation of the vehicle's internal parts. Even if any damage happens due to accidents, the car insurance policy will cover all the expenses incurred without deducting the depreciation value of components like batteries, tyres, etc. You need not worry about the financial liability as the full cost of replacing the internal parts of your car will be taken care of by your insurance provider. Top motor insurance providers like Bajaj Allianz car insurance also have this bumper-to-bumper car insurance plan. You can check out their website and sign up for it. 

How worthy is it?

Compared to a basic car insurance policy or a comprehensive insurance plan, the bumper-to-bumper car insurance policy is beneficial for the customer. It does justice for the amount of money you pay for it. The zero-depreciation policy benefits the policyholder by providing more exclusive coverage of an extra 20% than a regular comprehensive insurance plan. If you have a high-end car and already pay a hefty premium, why not make use of the bumper-to-bumper car insurance to have extensive and secure coverage for your car. 

People looking for an affordable alternative and meaningful investment in the form of an effective insurance plan can definitely choose the bumper-to-bumper car insurance policy. The Bajaj Allianz car insurance add-on feature is one of the most preferred and sought after in the Indian market. 

Bumper to bumper car insurance – Inclusions and Exclusions 

Here are some of the inclusions and exclusions that come along with the zero-depreciation car insurance policy. 

  • It covers the damage replacement cost of internal components, glass, rubber parts, etc. 

  • The option of claiming the full amount for the damage repair is also available. 

  • This policy can be very beneficial for new cars or relatively new ones purchased within three years duration. 

  • The normal wear and tear damage are not covered under this car insurance policy. 

  • Another significant exclusion found in this zero-depreciation policy is the damage incurred to other uninsured items like gas, fuel, tyres, etc. 

  • Also, this bumper-to-bumper car insurance policy must be renewed every year to claim the benefits. 

Advantages of having a zero depreciation policy 

  • With this zero-depreciation policy in place, you can claim the full damage reversal cost from your insurance policy provider. 

  • This policy is fairly rewarding more than a comprehensive car insurance plan. Usually, the amount given under a comprehensive plan will be based on the market value after deducting the depreciation cost. So, it is better to get a zero-depreciation policy. 

  • Having the zero-depreciation policy, you need not have to pay a single penny from your pocket. 

More established and reliable policy providers like Bajaj Allianz car insurance, who provide add-ons like roadside assistance, towing facilities, emergency transport, and many more.

Check it out to know more:- Should I buy comprehensive car insurance for my old car?


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