Bumper to Bumper Car Insurance

A bumper to bumper car insurance plan offers complete coverage to your four-wheeler irrespective of the depreciation rate of the car. The comprehensive insurance policy accounts for depreciation while settling an insurance claim which may otherwise lead to a lower claim payout. However, the bumper to bumper insurance makes sure you do not incur any out-of-pocket expenses. Also known as zero or nil depreciation cover, it is an add-on which covers rubber, metal and plastic parts against depreciation. However,the cover doesn’t secure any engine damage due to leakage, the loss incurred while driving under the influence or without a valid licence, etc.

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Bumper to Bumper Car Insurance - Coverage & Steps to Apply

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What is Bumper to Bumper Car Insurance?

The meaning of Bumper to bumper car insurance is simple; it’s a policy that offers protection for every square inch of your car. This kind of insurance policy is often an add-on with a comprehensive insurance plan and is also known as zero depreciation cover. Furthermore, it ensures that depreciation is not factored in as a cause by the insurer while deciding claims.


A bumper-to-bumper car insurance plan is a boon for new drivers who are not very experienced with driving and even for owners of luxury supercars that have expensive spare parts. If you are the kind of person who worries about even the tiniest dent on your car, you should probably purchase a bumper to bumper car insurance policy.

Benefits of Bumper to Bumper Car Insurance

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, car insurance bumper to bumper ensures that your insurer has kept away the depreciation value and settled your claims for the car in terms of its original value.

  • Maximises Insurance Coverage

Since it 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 controls 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 get access to a cashless claim settlement facility to ensure you experience a smooth car insurance claim process.

How to Purchase Bumper to Bumper Car Insurance Online?

The process to purchase car insurance bumper to bumper is similar to that of buying a comprehensive plan from your insurer. However, since bumper to bumper 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 shortly.

What’s Covered Under Bumper to Bumper Insurance?

  • Covers rubber parts, fibreglass components, nylon and plastic parts against deduction due to depreciation.

  • Secures new vehicles or cars that are not older than five years.

  • Offers the full claim amount during settlement.

What’s Not Covered Under Bumper to Bumper Insurance?

While there are many benefits with a bumper to bumper car insurance policy, there are some situations under which this policy cannot help you:


  • Claims will not be processed if the car has been reported for any illegal or unethical movement.

  • A private vehicle being used for commercial purposes is not eligible for claims.

  • If the driver is found to be under the influence of drugs or alcohol when the car was damaged, claims will not be settled.

  • Claims cannot be settled unless all the vehicle papers are complete and in place.


Read More: Add-Ons Covers in Car Insurance

Difference Between Comprehensive and Bumper to Bumper 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. It covers 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 Happens if You Don’t Have Bumper to Bumper Insurance?

In the event of an unfortunate mishap involving your valuable 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 will 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 claim settlement.

  • You need to cover 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.

Bottom Line

Bumper to bumper car insurance offers protection in a number of situations where your car or even you may sustain damages and harm. To avail a suitable insurance policy, you can opt for comprehensive car insurance available on Bajaj MARKETS, which protects you against incurring significant expenses in case of damage. You can benefit from features such as cashless claim settlement, extensive coverage, add-on benefits, 24x7 assistance, and more!


If you are worried about the cost of your comprehensive car insurance plan, use the bumper to bumper car insurance calculator to determine the premium price

FAQs on Bumper to Bumper Car Insurance

  • ✔️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. Whereas, comprehensive insurance is a plan that offers all-round coverage against various mishaps on the road.