Is Battery Covered in Zero Depreciation Insurance?

Posted on: Jan 23, 2025 | 3 mins | Written by: HDFC ERGO Team

Is Battery Covered in Zero Depreciation Insurance?

When purchasing two wheeler insurance, understanding the coverage is crucial to avoid unexpected expenses. One of the most popular rider options is zero depreciation, which ensures you receive the full claim amount without any deductions for depreciation. But does this coverage extend to your bike’s battery? To answer this question, let’s explore the details of the zero-depreciation add-on and clarify any confusion surrounding it.

What is Zero Depreciation in Bike Insurance?

Zero depreciation is an add-on cover available with comprehensive bike insurance policies. It ensures that the insurer does not deduct depreciation from the claim amount in the event of accidental damage or theft. Thus, this rider covers the full cost of repairs or replacement for damaged parts without deducting for wear and tear. Unlike standard insurance, it provides payouts based on the current value of the two-wheeler’s parts, regardless of age. This is beneficial for new bike owners to maintain the bike's value after an accident.

However, it should be noted that zero depreciation cover does not apply to all parts of a two-wheeler. Some components are either excluded from the scope of coverage or have limited coverage.

Coverage for Battery Replacement in Bike Insurance

Comprehensive bike insurance pays for battery replacement in specific covered situations, such as battery failure due to natural causes, stolen batteries, damage caused by non-collision incidents like vandalism, fire, or natural disasters, and collision-related battery damage. However, deterioration due to negligence in maintenance and regular wear and tear are not covered. Depreciation will be considered during the claim settlement.

Third-party bike insurance does not provide coverage for battery replacement; it only deals with compensation for injuries caused to others and damages to their properties due to an accident caused by your two-wheeler.

Is Battery Covered Under Zero Depreciation Add-on?

If you add a zero depreciation rider to your comprehensive insurance, you will receive the full claim amount for repairing or replacing damaged parts. While this add-on covers most components, it typically excludes the bike’s battery.

Most insurers exclude batteries from the coverage limit, but some may provide 50% depreciation coverage.

What Does Zero Depreciation Add-on Typically Cover?

Below are the common components covered under zero depreciation insurance:

• Plastic components (e.g., body panels, fairings)

• Rubber components and parts (e.g. tubes, belts)

• Nylon components

• Fiberglass components

Conclusion

Comprehensive insurance provides financial assistance for battery replacement under covered conditions. The claim will also take into account the depreciation factor. Even if you have zero depreciation bike insurance, it will not get you the full battery replacement cost. There are some insurers who provide 50% depreciation coverage for batteries. You should go through the policy terms to identify the right insurer.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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