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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