Is zero-depreciation protection the same as third-party insurance?

No. Zero-depreciation is a benefit associated with eligible own-damage or comprehensive cover; third-party-only insurance does not itself provide own-damage protection.

Where can I check the exact benefits?

Check the current ACKO policy wording and policy schedule for eligibility, claim limits, exclusions and applicable conditions.

ACKO Zero Depreciation Car Policy – Super Saver

ACKO Zero Depreciation Car Policy – Super Saver | Finzony

ACKO Zero Depreciation Car Policy – Super Saver Overview

ACKO Zero Depreciation Car Policy – Super Saver is a bumper-to-bumper car insurance option associated with zero-depreciation protection. It is intended to reduce depreciation deductions on eligible replacement parts during admissible repair claims. The underlying comprehensive policy governs protection against covered accidental damage and other insured events. Actual benefits depend on the policy schedule, selected covers, deductibles, claim limits and exclusions. Customers should obtain a quote for their specific vehicle and review the policy wording before purchasing.

Bumper-to-bumper protection with zero-depreciation benefits

Expert Review of ACKO Zero Depreciation Car Policy – Super Saver

Zero-depreciation protection can help reduce out-of-pocket repair costs when depreciation would otherwise be deducted from eligible replaced parts. It does not mean every repair is paid in full. Policy exclusions, deductibles, limits and eligibility conditions continue to apply. Confirm whether this option is available for the vehicle and check the current policy schedule for the precise benefits before buying.

Pros

May reduce depreciation deductions on eligible replacement parts during admissible claims.
Can supplement the protection provided by an eligible comprehensive car policy.
Vehicle-specific quotes help customers check pricing for their car.

Cons

Premium varies by vehicle, location, insured value and selected covers.
Deductibles, exclusions and policy limits still apply.

About ACKO (Insurer Profile)

ACKO

Key Insights

Founded

2016

ACKO was established 10 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

95.5% CSR, calculated as a 3-year average

ACKO settles 95.5% of all claims it receives, demonstrating strong credibility.

Contact Details

1800 266 2256

Headquarters: Office No. 301-302, 3rd Floor, F Wing, Lotus Corporate Park, Off Western Express Highway, Jay Coach, Goregaon East, Mumbai – 400063, Maharashtra, India

ACKO Zero Depreciation Car Policy – Super Saver Features and Benefits

Zero-depreciation benefit

May cover eligible depreciation deductions on replaced parts during admissible claims.

Subject to the selected cover and policy conditions.

Accidental damage

Eligible accidental damage may be covered under the underlying own-damage policy.

Exclusions and deductibles apply.

Fire and natural calamities

Covered fire and natural calamity losses may be insured under the underlying policy.

Refer to the policy wording.

Theft protection

Vehicle theft may be covered under the underlying comprehensive policy.

Settlement is subject to policy terms and the applicable insured value.

Third-party liability

Covered third-party liability is governed by the underlying motor policy.

Applicable limits and conditions apply.

Repair claim benefits

The zero-depreciation benefit may reduce depreciation deductions on eligible parts.

It does not remove all deductibles or exclusions.

What ACKO Zero Depreciation Car Policy – Super Saver Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Mechanical breakdown and ordinary wear and tear are not automatically covered.
Zero-depreciation benefits do not automatically remove exclusions or deductibles in the base policy.
Total-loss and theft settlements are governed by the underlying policy; zero-depreciation does not guarantee an additional payment.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Insurer

ACKO plans and claim process

ACKO Zero Depreciation Car Policy – Super Saver FAQs

What is ACKO Zero Depreciation Car Policy – Super Saver?

It is a zero-depreciation car insurance option intended to reduce depreciation deductions on eligible replacement parts, subject to policy terms.

How is the premium calculated?

The price depends on vehicle details, insured declared value, location and selected covers. Obtain a quote for your car.

Does zero depreciation mean every repair is fully covered?

No. Deductibles, exclusions, limits and policy conditions continue to apply.

Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official ACKO website before purchasing.