Bumper-to-Bumper Car Insurance

Bumper-to-bumper car insurance is a type of car insurance add-on that provides complete coverage for the repair or replacement of car parts without considering depreciation. So, in the event of damage, the insurer will pay the full amount for the car parts, such as fibre, glass, rubber, etc., without factoring in the depreciation value.

For instance, your car has suffered a minor accident, resulting in hefty repair bills of ₹50,000. Without bumper-to-bumper insurance, the insurer will only cover part of that ₹50,000 after factoring in depreciation costs. This means you still need to pay a significant portion out of your pocket. However, if you have a bumper-to-bumper add-on, the insurance company covers the full ₹50,000 without deducting depreciation, and you only pay a standard deductible.

IndusInd General Insurance (formerly known as Reliance General Insurance) offers bumper-to-bumper coverage as an add-on. This coverage is particularly popular in India among new car owners, urban drivers, and luxury vehicle owners, as it helps them minimise their out-of-pocket costs and financial burden, while also maintaining their car's condition.

Why Buy Bumper-to-Bumper Insurance?

How Does Depreciation Affect Car Insurance Claims?

As mentioned earlier, the value of your car depreciates over time with regular use. As a result, you do not receive the entire reimbursement amount when you make insurance claims. This directly affects your insurance coverage and premium costs. When you claim your car insurance, the amount received will be reduced according to the depreciation rates. Let us understand how it can affect your insurance claims with the following example:

Let us assume that your 3-year-old car was damaged in a road accident. It requires extensive bonnet repair work, a subsequent window repair, and a paint job. Assume that your garage sends you a bill for ₹50,000 with the following breakdown:

Particulars	Billed Amount	Applicable Depreciation Rate
Car Repair	₹25,000	Nil
Paint Job	₹10,000	50%
Window Repair (Fibreglass)	₹15,000	30%

You now decide to claim your insurance. However, without the bumper-to-bumper insurance coverage, the rate of depreciation will be applied. You will receive the claim amount based on the depreciation.

On the other hand, if you opt for our bumper-to-bumper car insurance, the claim amount will increase significantly as the deductions due to depreciation will not be applicable.

Particulars	Billed Amount & Depreciation Rate	Claim Amount Received
Car Repair	₹25,000 0% Depreciation	₹25,000
Paint Job	₹10,000 50% Depreciation	₹5,000
Window Repair (Fibre)	₹15,000 30% Depreciation	₹4,500
Standard Deductible	-	- ₹1,000
Total Claim Amount (Without add-on)	-	₹33,500
Total Claim Amount (With add-on)	-	₹49,000

Disclaimer: The values provided here are for illustrative purposes only. To get an accurate breakdown of your claim amount and depreciation rates contact support for claims or check your policy wordings.

Benefits of Bumper-to-Bumper Car Insurance

Cost Savings on Repairs

This add-on saves money by covering the full cost of repairs and replacements, eliminating depreciation charges typical in standard policies. It especially benefits new, luxury, or first-time car owners facing high repair bills, significantly reducing their out-of-pocket expenses for insured damages or accidents.

Enhanced Parts Coverage

You get 100% coverage* for the repair or replacement of damaged parts without deducting depreciation on car parts such as rubber, fibre, plastic, and metal components. This means full claim amounts, even as the vehicle ages, except for parts like tyres and engine damage, which require other add-ons.

Protection Against Car Damage

This covers safeguards against losses from accidents, fire, natural disasters such as floods or earthquakes, and theft. It offers comprehensive protection against various types of damage, extending beyond standard insurance coverage to reduce risk exposure for vehicle owners in the face of unforeseen events.

Who Should Buy a Bumper-to-Bumper Cover?

City Drivers

Car owners living in accident-prone areas can gain stronger financial protection from frequent damage arising from collisions. With full parts coverage, you eliminate depreciation deductions, thereby reducing your out-of-pocket cost during repeated claims.

First-Time Car Owners

Inexperienced car owners should also consider investing in a car insurance plan with bumper-to-bumper coverage, as it helps manage the costly, unexpected car repairs. This add-on helps manage the financial risks of inexperienced drivers resulting from accidents or damages.

New Car Owners

New car owners should consider investing in a zero-dep cover, as it provides comprehensive coverage for repairs without depreciation deductions, ensuring investment protection during the first critical years of ownership.

Luxury Car Owners

Luxury car owners benefit greatly, as costly repairs and expensive part replacements are fully covered, helping to avoid heavy out-of-pocket expenses on high-value vehicle repairs and maintaining the car’s premium condition.

IndusInd Car Insurance Bumper-to-Bumper Add-On

IndusInd General Insurance (Formerly known as Reliance General Insurance) offers standalone own damage or comprehensive car insurance plans that come with a bumper-to-bumper add-on. This cover pays for repairs or replacements of various car parts that standard policies usually exclude, such as fibre, plastic, rubber, and nylon components.

By adding it to a car insurance plan, accident-related repairs are covered without accounting for depreciation, meaning you enjoy greater coverage with less out-of-pocket expense. You can easily add this add-on at the time of buying or renewing your own-damage or comprehensive car insurance plan.

It is a cost-effective choice since it allows you to claim nearly the entire sum insured, resulting in substantial direct savings. However, normal wear and tear to excluded parts such as tyres, engine, and glass, are not covered under this plan. To enjoy the benefit of the bumper-to-bumper add-on, timely renewal of the IndusInd Car Insurance plan is necessary.

Bumper-to-Bumper Add-On: Inclusion & Exclusion

What's Covered?

Specific Car Parts: Repair or replacement costs for parts made of fibre, plastic, rubber, and nylon, excluding depreciation deductions.

Accidents and Natural Disasters: Repairs from accidents, fire, floods, earthquakes, or other natural calamities are covered fully without depreciation.

Paint: Depreciation on the material cost of painting is charged at 50%; labour is not subject to depreciation.

What's Not Covered?

Wear and Tear: General wear and tear, as well as mechanical or electrical breakdowns of the car, are not covered under this add-on.

Accessory Damage & Illegal Activities: Damage and repair costs of accessories or upgrades, along with damage arising out of illegal activities, are excluded.

Disclaimer: For the complete list of inclusions and exclusions, please refer to the policy wording of your policy.

Rate of Depreciation

Vehicle Depreciation Rates

According to the Insurance Regulatory and Development Authority of India (IRDAI), the rate of depreciation is as follows:

Age of Vehicle	Depreciation Rate for Determining IDV
Less than 6 months	5%
More than 6 months but less than a year	15%
More than 1 year but less than 2 years	20%
More than 2 years but less than 3 years	30%
More than 3 years but less than 4 years	40%
More than 4 years but less than 5 years	50%
More than 5 years but less than 6 years	55%
More than 6 years	Decided mutually by insured and the insurer

Depreciation Rates of Specific Parts

With respect to parts replaced, there are depreciation rates set by the IRDAI

Parts	Depreciation Rate
For all nylon/rubber/plastic parts, tubes and tyres, batteries and airbags	50%
For fibreglass component	30%
For all parts made of glass	Nil
For paint jobs	50% (applicable only on the material cost of total painting charges)

Depreciation Rates for All Other Parts (Including Wooden Parts)

Age	Depreciation Rate
Less than 6 months	Nil
More than 6 months but less than a year	5%
More than 1 year but less than 2 years	10%
More than 2 years but less than 3 years	15%
More than 3 years but less than 4 years	25%
More than 4 years but less than 5 years	35%
More than 5 years but less than 10 years	40%
More than 10 years	50%

Disclaimer: Depreciation rates are subject to change at the discretion
of the IRDAI. For the most up to date rates check your policy documents.

Things to Consider When Choosing A Bumper-to-Bumper Add-on

Cost

Since this is an add-on feature, it will increase the premium amount of your base policy. Therefore, it is essential to consider the cost of the premium before purchasing an insurance policy. Additionally, the factors that directly impact premium costs should be taken into consideration. A car insurance premium calculator can help you derive an estimate and make an informed decision.

Claim Limit

This add-on cover has a limited number of claims permissible within the policy tenure. For IndusInd General Insurance, the maximum claim limit is two claims per policy year*. Understanding this limit before purchase helps manage expectations related to repetitive repairs and financial planning during the coverage period.

Entry age for the policy

Being thorough with your policy’s terms and conditions is critical. Ensure that these align with your personal requirements and objectives. Familiarity with the policy details helps during claim settlement, sets clear expectations, and supports making well-informed decisions that avoid surprises or misunderstandings.

How to Buy Bumper-to-Bumper Car Insurance?

Enter your car registration number, email address, and mobile number on the form on top to get started.

Next, enter the make and model of your vehicle and previous policy details (if any). Different car insurance plans will appear.

Select your car's IDV, policy type and click "Next". On the next page, add the bumper-to-bumper coverage option to your chosen plan.

Check the quote for the car insurance premium. Once confirmed, proceed with the payment and the Know Your Customer' (KYC) using your PAN.

After the successful payment, the car insurance policy with bumper-to-bumper add-on will be sent to your email address.

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How to File a Bumper-to-Bumper Car Insurance Claim?

Cashless

Start the claim process by informing us about the incident by calling us at 1800 3009 or using the IndusInd Insurance app.

Take your vehicle to a network garage. You can easily find the garage in your area using the “Garage Locator" below.

The surveyor will assess the damage and, based on this assessment, approve or reject the cashless claim request.

Once your cashless claim is approved after verification, the garage will start the repair process.

We will settle the bills directly with the network garage. You do not have to pay any upfront fees.

Reimbursement

To initiate the reimbursement claim, notify us about the incident via helpline/email or use IndusInd Insurance app.

Next, take your vehicle to a garage of your choice, based on your convenience and suitability.

Have the repair done, pay the fees, and collect the original invoices, bills, and receipts from the garage owner.

Submit the reimbursement claim form and all other necessary documents to the website or app.

We will assess the documents, and based on that, either approve or reject the claim request.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline..

Bumper-to-Bumper vs Comprehensive Car Insurance

Parameters	Bumper-to-Bumper	Comprehensive
Coverage	Covers almost all car parts, including plastic, fibre, rubber, glass, and metal, without depreciation deductions.	Covers most car parts, but excludes items such as tyres, batteries, and engine wear due to normal use.
Claim Amount	Higher claim payout due to zero depreciation coverage.	Lower claim amount as depreciation is deducted from claims.
Premium Cost	Generally higher premiums due to broader and extensive coverage.	The premium is slightly lower without the addition of a bumper-to-bumper add-on.
Eligibility	Available for vehicles up to 7 years old*.	Available for all vehicles irrespective of age or model.
Ideal For	Frequent drivers, new or luxury car owners who want maximum coverage without depreciation deductions.	Car owners seeking comprehensive, balanced protection at a reasonable cost.

Key Takeaways

The bumper-to-bumper insurance add-on is an excellent way to save money on costly repairs, as it covers almost all parts of the car without depreciation deductions. It helps policyholders receive higher claim amounts, reduces out-of-pocket expenses, and covers damages from accidents, fire, and natural disasters.

With a marginally increased premium cost, this add-on offers financial security to car owners, especially those with new or luxury cars. IndusInd General Insurance (formerly known as Reliance General Insurance) offers bumper-to-bumper add-on with comprehensive and standalone car insurance plans.

This add-on ensures easier, cost-effective repairs through a wide network of 11,000+ authorised garages, making the repair process seamless and less burdensome for vehicle owners. In addition to this, we offer various other add-ons, such as engine security, tyre security, roadside assistance, and more, for car owners seeking enhanced coverage.

Using our IndusInd Insurance app, you can download and save your car insurance policy documents, file claims, do a vehicle self-inspection and more in just a few minutes.

Protect your car from costly repairs by purchasing our comprehensive car insurance plan with a bumper-to-bumper add-on.

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IndusInd General Insurance

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IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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Frequently Asked Questions (FAQs)

What is bumper-to-bumper car Insurance?

Bumper-to-bumper car insurance is an add-on to a comprehensive car insurance policy that provides full coverage for the repair or replacement of car parts, including plastic, rubber, and metal components, without deducting depreciation. It covers damages caused by accidents, fire, theft, natural disasters, and man-made calamities.

What can affect the bumper-to-bumper insurance premium?

When you add the bumper-to-bumper add-on to your standalone or comprehensive car insurance policy, there are various factors you need to consider that can impact the car insurance premium: Make and model: The make and model of the car can affect the premium. Usually available for cars up to 5 years old; older cars may have limited eligibility or higher premiums. Geographical location: Another thing that can impact the premium is the car's geographical location. The car, which is registered in high-risk zones such as those prone to theft and vandalism, has a higher premium. Insured declared value: The insured's declared value, which also affects the car's current market value, impacts the car insurance premium.

Can I download the comprehensive car insurance policy?

Yes, you can easily download the comprehensive car insurance plan using the IndusInd Insurance App. To download the policy, follow these steps. Download the IndusInd Insurance App from the Google Play Store or the Apple App Store. Open the app and enter the car insurance policy number or registered mobile number. The purchased plan will be displayed. Choose the policy and then click the “Download” option.

What documents do I need to submit for a bumper-to-bumper car insurance claim?

Below is the list of documents required for a bumper-to-bumper car insurance claim: Filled and signed claim form Copy of your valid driving license Vehicle Registration Certificate (RC) Copy of your existing car insurance policy First Information Report (FIR) from police (especially for theft, major accidents, or third-party claims) Repair estimate from an authorised garage or service centre Photographs or videos showing the damage to the vehicle Original repair bills and payment receipts for reimbursement Medical reports and bills (if there are personal accident claims) No Objection Certificate (NOC) from the financier if the car is under loan or lease

Can I add a bumper-to-bumper add-on at the time of policy renewal?

Yes, you can easily add a bumper-to-bumper coverage option to your car insurance policy at the time of renewal. However, this is only possible if you have a standalone own damage or comprehensive car insurance plan.

What is depreciation in car insurance?

Depreciation in car insurance refers to the decrease in a vehicle's value over time due to factors such as age, wear and tear, and usage. As a car ages, its market value decreases, which reduces the claim amount payable by the insurer. Depreciation is calculated based on the car’s age, make, model, and the condition of its parts, with different parts depreciating at different rates.

Is it possible to convert third-party car insurance to comprehensive car insurance?

Yes, you can convert the third-party car insurance plan to comprehensive car insurance at the time of policy renewal. This can be easily done by informing us about the decision through our website, the IndusInd Insurance App or by calling our helpline number.

Can I buy a bumper-to-bumper cover for a used car?

Yes, a bumper-to-bumper cover can usually be purchased for used cars, but the availability and cost typically depend on the vehicle's age and condition. It is best to check with the insurance provider to know if this add-on is available for your used car.

Can a bumper-to-bumper car insurance claim be rejected?

There are various scenarios in which a bumper-to-bumper car insurance claim can be rejected, such as: If you are filing a claim for damaged parts that are not covered under the policy, the claim may be rejected in such a situation. The claim request can be rejected if your car insurance policy is lapsed. If the damage to the car is due to a traffic law violation, such as driving without a licence, then the claim can be rejected. If you fail to register a car insurance claim within the stipulated timeframe, then the claim can be rejected.