[ahmad.007]

Originally Posted by hemant.kamat

I'm able to add a zero dep cover while renewing my 2015 Tata Nano insurance policy with several insurance companies, even though my existing insurance policy doesn't have zero dep. Does it mean that they will refuse zero dep in case of a claim, even after collecting the premium for the same? Nowhere do they ask if my existing policy has a zero dep cover; the only input taken is the % NCB and whether a claim was made in the current year

Do check with them by contacting their support. Sometimes what these online insurance companies ask for payment, and once you make the payment, the actual enquiry/verification/KYC process starts after that, where they can refuse zero dep. But I am not sure.

[hemant.kamat]

I suppose this answers my query, as to the need for a zero dep add-on during the 1st year of purchase:

Depreciation % on various parts applied at the time of claim, regardless of the vehicle's age:

• 50% For all plastic, rubber, nylon parts & batteries
• 30% For fibre components
• 0% For glass components
• 50% For paint

Mods, please mark this thread as closed. Thanks to everyone who took the time to read/respond