Bumper-to-bumper car insurance does not cover some dangers that comprehensive auto insurance provides. The car’s front, back, and sides are covered by bumper-to-bumper insurance. Theft, vandalism, and fire protection are all included in comprehensive coverage.
Bumper-to-bumper offers less protection; hence, is less expensive. In an accident or another occurrence, such as theft or vandalism, it only covers damages to the vehicle’s fenders or bumpers.
Comprehensive Car Insurance
A comprehensive car insurance policy includes third-party coverage and coverage for events like glass damage, arson or vandalism, natural disasters, riot damage, etc. A comprehensive insurance policy also covers third-party damage and theft. However, you discover that your allegedly “comprehensive” coverage might not cover all potential scenarios when you compare auto insurance by examining the terms and inclusions specified in the contract. The policyholder might need extra insurance for zero depreciation riders, engine protection, medical claim, or collision insurance, depending on the situation.
Bumper To Bumper Insurance
The Zero Depreciation automobile Insurance policy, is also frequently called bumper-to-bumper automobile insurance. Bumper-to-bumper insurance offers coverage for your car in addition to the third party. In contrast, a basic or third-party policy only takes care of the damage to the third party or their vehicle in the event of an accident.
Bumper-to-bumper insurance only considers the worth of the body’s external portions; it ignores the value of the body’s inside components. This is the ideal chance for those who want the firm to cover all damages from bumper-to-bumper car insurance without the policyholder paying additional costs.
Advantages Of Purchasing Comprehensive Auto Insurance
- Any unanticipated occurrence, with the exception of collision, is taken care of by a comprehensive auto insurance policy.
- With comprehensive automobile insurance, you can make a claim for damages suffered in such circumstances, even if you are said to be at fault in the event of an accident.
- Financial security and mental tranquillity.
When Is Bumper-To-Bumper Insurance The Ideal Option?
These are the circumstances that require you to get bumper-to-bumper car insurance.
- If your vehicle is spanking new
- If you require complete repair cost reimbursement
- If your vehicle is a luxury or premium vehicle
- If you’re worried about your car’s minor dings
- If you live in a location prone to accidents
- If you have only recently begun learning to drive
| Parameter | Comprehensive Policy | Zero Depreciation Policy |
| Premium | Low | Comparatively High |
| Plastic (all parts made with plastic) | 50% is covered | 100% covered |
| Car age limit | Cars that are up to 15 years old | New cars that are till five/seven years |
| Max. number of claims | No Limit | Limited to 2* |
| Glass – Windshield, side glass | 100% covered | 100% covered |
| Airbags (damaged due to accident) | 50% taken care of | 100% taken care of |
| Metal parts | First-year- 95%, Second year- 90%, Third year- 85%, Fourth year- 75%, Fifth year- 65%, up to 10 years 50% covered | 100% covered |
| Non-deductible spare parts/ labour charges | 100% covered | 100% covered |
| Burglary | Up to IDV covered | Up to IDV covered |
| Claim settlement | The current value after depreciation is covered | IDV without depreciation is covered |
Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
