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Difference: Zero Depreciation vs Comprehensive Car Insurance
Basis of differentiation
Premium
Claim settlement
Comprehensive policy (With zero depreciation add-on)
Comprehensive policies with zero-depreciation comparatively cost more than a standard policy without the zero depreciation cover.
Higher claim amounts because the cost of depreciation is not deducted or factored.
Comprehensive policy (Without zero depreciation add-on)
A standard comprehensive policy without zero depreciation add-on cover comes for a lesser premium as compared to policies with zero depreciation.
Lower claim amounts as cost of depreciation gets deducted from the entitled claim amount.
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