Zero Dep vs. Comprehensive — The 5-Year Rule
Most car owners think “Comprehensive” means “Everything is covered” until they see a claim settlement that is 50% less than the repair bill. Without a “Zero Depreciation” add-on, you are effectively “shorting” your own safety on every plastic and rubber part.
- The “50% Deduction” Shock: Why metal parts are preferred, but plastic bumpers and headlights are “depreciated” instantly.
- The “Engine Protect” Synergy: Why Zero Dep alone won’t save you from a stalled engine in a flooded street.
- The 5-Year Threshold: Understanding why this shield is a non-negotiable for cars under five years old.
Watch this video to build your motor policy like a fortress, protecting both the “Body” and the “Heart” of your car.