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  • Overview
  • Features And Benefits
  • Types of Shriram Car Insurance
  • New Car Insurance
  • Used Car Insurance
  • Bumper to Bumper Car Insurance
  • Own Damage Car Insurance
  • Comprehensive Car Insurance
  • Third-Party Car Insurance
  • Calculate Premium
  • Save On Premium
  • Renewal Benefits
  • IDV
  • NCB
  • Zero Depreciation
  • Deductibles
  • Coverages
  • Compare Plan
  • Premium Components
  • Eligibility and Required Documents
  • Buy / Renew
  • Claim Process
  • Terminologies
  • Policy Download
  • FAQs
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Bumper to Bumper Car Insurance Overview

Ever heard of bumper to bumper car insurance or the term zero depreciation cover? In this page, we will explore Shriram General Insurance’s Depreciation Waiver Cover. Also referred to as Bumper to Bumper, Zero Depreciation, or Nil Depreciation Cover, this insurance option ensures that you are protected against depreciation costs incurred during repairs or replacements. Join us as we delve into the details of this comprehensive coverage and uncover the benefits it offers.

Bumper to Bumper Car Insurance Overview

What is Bumper to Bumper Car Insurance

What is Bumper to Bumper Car Insurance

Nil Depreciation or bumper to bumper car insurance, is a highly beneficial form of motor insurance . Many insurance shoppers may not know the meaning of bumper to bumper car insurance, which can complicate their decision-making when selecting insurance. In the event of an accident, theft, or damage, this insurance will cover the costs for repairs or replacements without considering the natural wear and tear that occurs over time.

Features of Bumper to Bumper Car Insurance offered by Shriram General Insurance

With Nil Depreciation/Bumper to Bumper Car Insurance coverage of Shriram General Insurance, you can claim the full cost of replacing vehicle parts. Here's a closer look at the key features that make it a popular choice

Full Coverage

Full Coverage

Bumper to bumper car insurance is favored for offering comprehensive coverage. Choosing a zero depreciation cover means your insurance claim amount remains unchanged, regardless of your vehicle's depreciation. However, it's essential to note that your claim is limited to your vehicle's Insured Declared Value (IDV), which is an estimate of its market worth. Your payout will not exceed this IDV.

Cost-Effective

Cost-Effective

Despite potential premium increases associated with the bumper to bumper cover, it proves to be cost-effective in the long run. While the premium may be higher compared to other types of insurance, the peace of mind and financial protection it offers can far outweigh the additional expense. In the event of an accident, bumper to bumper insurance can cover the repair costs, helping you avoid hefty out-of-pocket expenses.

What is Covered Under Bumper to Bumper Car Insurance

When you choose bumper to bumper car insurance coverage, you can expect the following

Repair and Replacement Costs

  • This policy covers the entire expense of repairing or replacing your car's body parts after sustaining a policy, without taking depreciation into account.

Natural Disasters

  • This policy covers expenses in cases of damage caused by natural disasters like floods or earthquakes.

24/7 Roadside Assistance

  • Shriram General Insurance provides round-the-clock assistance for emergencies, ensuring you're never stranded.

What is Not Covered Under Bumper to Bumper Car Insurance

While Nil Depreciation/Bumper Bumper Car Insurance provides extensive coverage, there are some exceptions. Here are common exclusions

Mechanical / Electrical Failures

Mechanical / Electrical Failures

This policy does not typically cover mechanical / Electrical breakdowns unrelated to accidents.

Regular Wear and Tear

Regular Wear and Tear

This insurance does not cover general wear and tear over time.

Consequential Damages

Consequential Damages

Damage resulting from an accident, such as loss of personal belongings is not included.

Policy Excess/Deductible

Policy Excess/Deductible

This insurance excludes coverage for the deductible or policy excess, meaning you would need to pay this amount in the event of a claim.

Benefits of Bumper to Bumper Car Insurance

  • Complete Peace of Mind:

    With Bumper to Bumper insurance, you can drive confidently, knowing that your car's repair and replacement costs are covered.

  • Savings on Repairs:

    You won't have to bear the brunt of depreciation costs, saving you money in the long run.

  • Extended Protection:

    Enjoy extended protection for your vehicle's body parts, often beyond the manufacturer's warranty period.

Benefits of Bumper to Bumper Car Insurance

How to Buy Shriram General Insurance’s Bumper to Bumper Car Insurance Online

Getting your Nil Deprecation/bumper to bumper car insurance online with Shriram General Insurance is simple and convenient. Follow these steps

  • Step 01
  • Step 02
  • Step 03
  • Step 04
  • Step 05
Visit Shriram General Insurance Website

Visit Shriram General Insurance Website

  • Go to Shriram General Insurance's official website www.shriramgi.com to explore their policy options. Here, you can find your online bumper-to-bumper car insurance.

Enter your Car Registration Number

Enter your Car Registration Number

  • Fill in your car registration number on Shriram General Insurance's website.

Write your Phone Number

Write your Phone Number

  • Enter your phone number right below the car registration number.

Click on Insure Now

Click on Insure Now

  • Click on the Insure Now button to be redirected to the insurance selection. Find your car insurance online with bumper to bumper coverage here.

Choose your Insurance

Choose your Insurance

  • Find out which insurance you require. Since the bumper to bumper insurance is an add-on under the name zero depreciation cover, choose that add-on to your comprehensive insurance.

Bumper to Bumper Car Insurance Renewal Online

Bumper to bumper car insurance renewal with Shriram General Insurance is quick. Follow these simple steps

1

Visit Shriram General Insurance Website

Access the official website at www.shriramgi.com .

2

Click on the button that says renew your insurance

This will redirect you to a page where you will need to fill in some details for your car insurance renewal, bumper to bumper.

3

Fill in your Policy number

Fill in your policy number and your mobile number to find your insurance.

4

Verify and Pay

Review your policy details, make any necessary updates, and proceed to pay for your bumper to bumper insurance renewal.

5

Receive Confirmation

You'll receive confirmation of your renewed policy after payment.

Comprehensive vs. Bumper-to-Bumper

Let's compare Comprehensive and Bumper to Bumper Car Insurance

Factors/Features

Comprehensive

Bumper to Bumper

Coverage of Body Parts

Subject to depreciation

Full coverage, no depreciation deduction

Coverage for Accidents

Yes

Yes

Coverage for Natural Disasters

Yes

Yes

Repair and Replacement Costs

Subject to depreciation

Full coverage, no depreciation deduction

Cost of Premiums

Lower

Slightly higher

What Factors Affect the Premiums for Bumper to Bumper Car Insurance

Several factors influence the premiums for Bumper to Bumper Car Insurance, including

Vehicle Make and Model

Vehicle Make and Model

High-end or luxury cars may have higher premiums due to the cost of parts and repairs.

Age of the Vehicle

Age of the Vehicle

Newer vehicles are generally associated with lower premiums.

Insured Declared Value (IDV)

Insured Declared Value (IDV)

A higher IDV may result in higher premiums.

Policy Duration

Policy Duration

Longer-term policies may offer premium discounts.

Claim History

Claim History

A history of frequent claims claims may lead to increased premiums.

How to File a Claim with Bumper to Bumper Car Insurance

In case of bumper damage or any other covered incident, follow these steps to file a claim

Step 01
Contact your Insurer

Contact your Insurer

Inform Shriram General Insurance immediately about the damage or accident.

Step 02
Claim Initiation

Claim Initiation

Submit the necessary documents , including the claim form and proof of damage or loss.

Step 03
Inspection

Inspection

An inspection will be conducted to assess the extent of the damage.

Step 04
Approval and Settlement

Approval and Settlement

Once approved, the insurer will settle the claim amount as per the policy terms.

Factors to Consider When Choosing a Bumper to Bumper Car Insurance Policy

Coverage Limits

Ensure that the policy covers the specific risks that concern you.

Premium Costs

Compare premiums from different insurers and choose one that fits your budget.

Policy Duration

Decide the term of the policy based on your needs.

Claim Process

Assess the ease and efficiency of the insurer's claim settlement process.

Add-Ons

Consider additional coverages or add-ons that may enhance your protection.

Frequently Asked Questions

Is bumper to bumper car insurance mandatory?

No, it's not mandatory, but it provides valuable coverage for your vehicle.

Can I get bumper to bumper coverage for an old car?

Yes, bumper to bumper coverage is available for both new and old cars.

What is the duration of a typical bumper to bumper car insurance policy?

Policies can range from one to five years, depending on your preference.

What are the insurances offered by Shriram General Insurance?

Shriram General Insurance offers comprehensive insurance, own damage insurance, and third-party insurance. These come with various add-ons.

Does Shriram General Insurance offer any unique benefits with their Bumper to Bumper coverage?

Shriram General Insurance provides extended warranty-like protection, flexible policy durations, and cashless claims for its Nil Depreciation Cover.

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