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What is Bumper to Bumper Insurance

Bumper to bumper car insurance, also known as “Zero depreciation cover”, helps cover damages to the car caused by an accident, despite the depreciation of its parts. It is primarily suitable for car owners who fall under the categories listed below:


  • New car owners

  • High-end luxury car owners

  • Inexperienced or new drivers 

  • Car owners who frequently drive in accident-prone areas

Getting one can be immensely beneficial to secure your vehicle in the long run. Read on to learn more about purchasing bumper to bumper car insurance and other details about it in the following sections:

Features of Bumper to Bumper Car Insurance Policy

Here are some of the key features of a zero depreciation or bumper to bumper car insurance policy:


  • The parts covered under the bumper to bumper insurance policy include nylon parts, fibreglass components, plastic, and rubber parts


  • This add-on coverage can be availed while purchasing or renewing your car insurance policy
  • The zero depreciation policy allows you to easily claim the full amount in case of any damage to the car, unlike a standard policy which includes 0-40% depreciation rates

  • This nil depreciation cover is ideal if you have purchased a car within the last 5 years

  • Bumper to bumper insurance policy allows you to make a limited number of claims that vary based on the insurer you choose

  • Any uninsurable peril (event with a high risk of occurrence) or normal wear and tear is not covered under this policy

  • You must renew the insurance every year to enjoy the benefits associated with a zero depreciation policy


Benefits of Bumper to Bumper Car Insurance Policy

With any kind of car insurance, you are privy to certain benefits. However, bumper to bumper insurance brings along a set of additional benefits that are not available with other kinds of policies. Read on to learn more about them:


  • Depreciation Isn’t Considered

All car insurance policies pay out only the claim amount after setting aside a certain sum for depreciation. Here, depreciation refers to the normal wear and tear of a machine that occurs during its daily usage, and its monetary value lowers regardless of how well you maintain your car.


As a result, you are probably going to end up losing a hefty amount while applying for any kind of claim with your vehicle in case of an accident. However, bumper to bumper car insurance ensures that your insurer does not take into account the depreciation value and instead settles your claims for the car in terms of its original value.


  • Maximises Insurance Coverage

Since this insurance enhances your car’s existing coverage, it significantly decreases any out-of-pocket expenses and offers extensive protection to your vehicle.


  • Secures Your Finances

A bumper to bumper car insurance policy significantly influences the expenses that would be incurred as a result of the depreciation cost of the insured vehicle.

When you opt for motor insurance available on Bajaj Markets you can get access to a car insurance bumper to bumper add-on at a nominal cost. You also opt for a cashless claim settlement facility to ensure you experience a smooth car insurance claim process.

Difference Between Comprehensive and Bumper to Bumper car Insurance

Let’s understand the difference between comprehensive car insurance and bumper to bumper cover with the below table:


Comprehensive Car Insurance

Bumper to Bumper Cover


The policy provides extensive coverage for third-party liabilities and damage to your vehicle as well.

It is an add-on cover provided over and above your existing comprehensive car insurance policy.


Standard comprehensive policy premium

Standard car insurance policy premium + Add-on cover amount.


The policy covers old vehicles.

The cover is not available for vehicles that are five years old or above.

What's Covered/Not Covered Under Bumper to Bumper car Insurance?

The table below showcases what’s covered and not covered under the bumper to bumper car insurance policy.


Covered/Not Covered

Cars above 5 years of age

Not covered

Engine damage due to water ingression or oil leakage

Not covered

Body damages


Replacement/repair of the depreciated car parts


Regular wear and tear and damage to tyres, tubes, clutch plate, bearings, and batteries

Not covered

Parts made of rubber, fibreglass, plastic, nylon and metal


Damages due to mechanical breakdown

Not covered

Damage to accessories

Not covered

Private cars used commercially or vice versa

Not covered

Driving without a valid licence during car accident

Not covered

Driving under the influence of alcohol or other intoxicating substances

Not covered

Bumper to Bumper insurance vs Normal Car Insurance

Car’s Age

Rate of Depreciation Without Zero Depreciation Cover

Rate of Depreciation With Zero Depreciation Cover

<6 months



6 months-1 year



1years-2 years



2 years-3 years



3 years-4 years



4 years-5 years



5 years-10 years



>10 years




Car’s Parts

Rate of Depreciation Without Zero Depreciation Cover

Rate of Depreciation With Zero Depreciation Cover

Rubber/Plastic Parts/Nylon/Paintwork,

Tubes and Tyres, Airbag parts and Batteries



Glass parts



Fibreglass parts



Factors Affecting Bumper to Bumper Car Insurance Policy Premium

The premium you pay for the bumper to bumper car insurance policy is affected by the following factors.


  • Car model - One of the major factors that decide the insurance premium you pay for the car is the model of your car. The cost of car parts which affects the repair bill is dependent on the model or variant of the car and helps determine the premium you have to pay for bumper to bumper car insurance policy.


  • City of the car - There are several benefits and risks associated with every city which defines the premium you will be required to pay for the insurance policy. Hence, the premium for a standard insurance policy along with add-ons like zero depreciation/bumper to bumper insurance depends on the city where you drive your car. 

  • Age of the car - Bumper to bumper car insurance or zero depreciation add-on cover is directly linked to the depreciation of the car and its parts. Therefore, the age of your car is crucial when calculating the insurance premium.

What Happens if You Don't Have Bumper to Bumper Insurance?

In the event of an unfortunate mishap involving your motor vehicle, the first thing that will come to your mind is raising a claim under your car insurance policy. At times, policyholders believe that their car insurance plan can compensate for the entire damage incurred. However, in reality, the scenario can be a little different sometimes. Here’s why:

  • You are claiming add-on benefits that are not included in your existing car insurance plan. Therefore, you may not receive the desired compensation during the claim settlement.

  • You need to cover for certain expenses as there is a difference between the current market value of new car parts and the depreciated value of these components. The insurer covers the remaining amount.

  • The depreciation amount can form a significant part of your sum insured amount.



To avoid getting less or unsatisfactory compensation when claiming on your car insurance policy due to depreciation, get a zero depreciation cover on your comprehensive car insurance plan.

Read More

How to Claim Bumper to Bumper Insurance

Since bumper to bumper insurance provides 100% coverage, it is vital to ensure that no depreciation cost is considered by the insurer while calculating the IDV. The insurance claim process is simple just like a comprehensive insurance claim. Here are the steps to claim insurance:

  • Inform the insurance company immediately after the accident

  • Register the claim

  • Send the vehicle for damage assessment

  • Ensure that the depreciation costs are not added by the insurer

  • Get your vehicle repaired at the garage listed on the insurer’s network to enable direct settlement

  • Sign the documentation and drive your car home

Read More

How to Purchase Bumper to Bumper Car Insurance Online?

The process of purchasing car insurance bumper to bumper is similar to that of buying a comprehensive plan from your insurer. However, since this is an add-on cover, you have to add it over and above your basic plan during the purchase in the following way:


Step 1: Visit the insurer’s website and go to the “Car Insurance” section


Step 2: Enter your personal and vehicle details


Step 3: Select comprehensive car insurance coverage


Step 4: Select the bumper to bumper add-on cover along with other necessary rider benefits


Step 5: Review the policy and coverage details before proceeding to pay the premium


Step 6: Make the premium payment online

Step 7: The policy with bumper to bumper insurance will be issued to you shortly

Documents required to claim bumper to bumper Insurance

You would need the following documents to file the claim:


  • Filled and signed claim form

  • Insurance policy

  • Registration certificate of the car

  • Driving incense

  • Copy of filed FIR

  • Estimated bill of the repair 

  • Bills and payment receipts

Check Out Car Insurance Partners Available at Bajaj Markets


Is it good to opt for bumper to bumper insurance?

The number of claims that you can raise under bumper to bumper insurance varies from one insurance provider to another. Hence, it is crucial to check the number of claims admissible while purchasing such a cover.

Is bumper to bumper insurance the same as comprehensive insurance?

No. Bumper to bumper insurance is an add-on cover that ensures you get the complete claim amount without considering the depreciation rate. On the other hand, comprehensive insurance is a plan that offers all-round coverage against various mishaps you could face on the road.


How do I claim bumper to bumper insurance?

The bumper to bumper insurance claim process is similar to any comprehensive car insurance policy. Since it is an add-on insurance that entails zero deprecation, you need to ensure that the insurer does not add any depreciation cost.


How many times bumper to bumper insurance can be claimed?

The number of times you can claim the insurance varies based on your insurance company. However, most insurers allow two claims during the policy period in the case of bumper to bumper insurance.


What is the process of making a claim insurance for bumper to bumper insurance cover?

Follow these steps to make the claim:


  • Notify the insurer at the earliest in case of any accident or damage to register the claim

  • Your vehicle needs to be sent for damage assessment and estimation

  • The expenses are settled with the insurer directly if the car is taken to the network garage

  • Once the car is repaired, you can sign the documentation and take your car home

Does bumper to bumper insurance cover scratches?

Most insurers allow you to claim the bumper to bumper insurance only twice during the policy period hence, it is not recommended to claim it for small damages such as scratches. This can allow you to raise a claim for major damages in the future, if any.


What is not covered by bumper to bumper car insurance add-on cover?

Bumper to bumper insurance does not provide any coverage for the following:


  • Damages to the tyres, tubes, clutch plates, bearings, and batteries of the car. 

  • Damages to the accessories.

  • Damages caused due to mechanical breakdown.

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