Zero Depreciation Cover: Is It Worth It on a Used Car?
What zero depreciation (bumper-to-bumper) insurance add-on actually covers, and whether it makes sense for a used car.
3 min read · Updated 14 Oct 2026
Key Takeaways
- A standard comprehensive claim deducts for the depreciation of parts like plastic, rubber and fibre components during a repair
- The value of this add-on is highest on cars roughly up to 5 years old, where standard depreciation deductions on parts are still significant — many insurers also cap eligibility for this add-on around this age range
- Zero depreciation cover adds a meaningful amount to your premium — worth weighing against how much actual claim benefit it is likely to deliver given your car's specific age and your own accident risk
Zero depreciation cover is a popular add-on, but its value depends heavily on the car's age. Here is how to decide.
On This Page
1. What Zero Depreciation Actually Covers
A standard comprehensive claim deducts for the depreciation of parts like plastic, rubber and fibre components during a repair. Zero depreciation cover waives this deduction, meaning a claim pays out closer to the full repair cost.
2. Why It Matters More for Newer Used Cars
The value of this add-on is highest on cars roughly up to 5 years old, where standard depreciation deductions on parts are still significant — many insurers also cap eligibility for this add-on around this age range.
3. The Trade-off: Higher Premium
Zero depreciation cover adds a meaningful amount to your premium — worth weighing against how much actual claim benefit it is likely to deliver given your car's specific age and your own accident risk.
Frequently Asked Questions
Is zero depreciation worth it on a 6-7 year old used car?
Less so — many insurers restrict eligibility around this age, and the underlying depreciation deduction it waives shrinks as parts age anyway.
Does zero depreciation cover engine damage?
No — that typically requires a separate engine protection add-on; zero depreciation specifically addresses the depreciation deduction on replaced parts.
Can I add zero depreciation cover at renewal, not just at purchase?
Usually yes, subject to the insurer's age eligibility rules at the time of renewal.