April 19, 2024

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Bumper To Bumper Car Insurance: All You Must Know Before You Buy

3 min read
Everything about bumper to bumper car insurance

Bumper-to-Bumper Insurance: What Is It?

The insurance provider will deduct the cost of replacing or repairing items before paying out on a claim under the comprehensive car insurance policy. However, the insurer will cover every part of your automobile under bumper-to-bumper car insurance, except for any damage to the engine, batteries, tires, tubes, or glass. The insurer typically provides this as an “Add-on” to the basic policy. A “Nil Depreciation Cover” or “Zero Depreciation Cover” are other names. Effectively, this offers almost 100% coverage if an accident causes damage to your car. The car insurance carrier will not depreciate the cost of the replacement parts. *

Particularly for the owners of the following types of vehicles, this Add-on cover is a great option:

  • Vehicle newbies
  • Owners of luxury automobiles
  • Brand-new auto owners
  • New drivers of automobiles
  • Car owners who live in places where accidents with vehicles are likely
  • Owners of automobiles who are worried about minor dents or bumps

What Is Covered By Bumper To Bumper Auto Insurance?

This insurance policy provides total or comprehensive coverage for harm to your car’s metal, fibre, and rubber components. It is not a part of the default auto insurance policy but is offered as an add-on cover. It will come with a higher cost if you decide to incorporate it into your auto insurance plan. But with this kind of coverage, the insurance provider is prevented from reducing the value of the parts before paying the claim. You are receiving practically every rupee used to fix the car. You should know that this add-on excludes coverage for components like tires, batteries, engine damage, and glass.

An accident is never a good thing. It is costly to replace automotive parts or fix dings and bumps, especially if you paid your hard-earned money to purchase your preferred vehicle. Even if you file a claim, you can still be required to pay 50% of the total expense out of pocket. Your standard auto insurance policy includes bumper-to-bumper car insurance coverage, which has several benefits that are to your advantage. 

The following are the primary advantages of bumper-to-bumper auto insurance:

  • 100% coverage for resolving claims.
  • Obtain protection against depreciation, excepting specified damages.
  • Beneficial, especially for owners of expensive and new cars.
  • You comfort knowing that the insurer has almost wholly covered your car.

How Can I Purchase Online Bumper To Bumper Insurance

Step 1: Visit the insurance provider’s website

Step 2: To renew the insurance, enter the car registration number. You can follow the same procedures if you want to switch insurance companies.

Step 3: You will be asked to choose from various Add-on cover types. Select the Nil or Zero Depreciation Cover option. *

Step 4: Pay the needed premium and instantly receive your policy paperwork at your provided email address.

A car insurance premium calculator is a convenient tool you may utilise online to check the amount of coverage required based on your needs.

* 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.

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