What Is Go Digit Zero Depreciation Car Insurance? – Best Plans 2025

Car insurance in India has evolved significantly over the past decade, with insurers offering smarter protection options that safeguard policyholders from rising repair costs and unexpected financial liabilities. Among these, Go Digit Zero Depreciation Car Insurance stands out as one of the most popular add-on covers, especially for new car owners and those seeking maximum claim benefits.

In 2025, the importance of zero depreciation coverage is greater than ever. With the increasing cost of spare parts, labor, and vehicle technology, car owners often face high out-of-pocket expenses during claims—even when they have comprehensive insurance. This is because standard policies factor in depreciation on auto parts, reducing the final claim amount. Digit’s Zero Depreciation add-on solves this problem by ensuring no deduction for depreciation, giving policyholders the highest possible settlement value.

This detailed guide explains what Go Digit Zero Depreciation Car Insurance is, its features, benefits, eligibility, pricing, and why it is one of the best protection plans available in 2025.

What Is Go Digit Zero Depreciation Car Insurance?

Go Digit Zero Depreciation Car Insurance—often called “Zero-Dep Cover” or “Nil Depreciation Cover”—is an add-on that can be purchased with Digit’s Comprehensive or Own Damage (OD) car insurance policy.

This add-on ensures that the insurer does not deduct depreciation on car parts during repairs or replacements. As a result, you receive a higher claim payout, and your out-of-pocket expenses are significantly reduced.

In simple words:

·       Without Zero Depreciation: You pay for the depreciated portion of replaced parts.

·       With Zero Depreciation: Digit pays the full cost of replaced parts—no depreciation deduction at all.

Why Depreciation Matters in Car Insurance

Every car part depreciates with time due to wear and tear. Standard car insurance policies factor in depreciation while settling claims.

Here’s how much various parts depreciate:

·       Plastic, fiber & rubber parts: 50% depreciation

·       Glass parts:0% depreciation

·       Metal parts: 0% to 30% depreciation depending on age

This means without a zero-dep cover, you pay for a percentage of the repair cost—even with comprehensive insurance. Digit Zero Depreciation removes this burden completely.

Key Features of Go Digit Zero Depreciation Car Insurance (2025)

Go Digit offers one of the most customer-friendly and transparent zero depreciation covers in the market. Some of its standout features include:

1. Full Coverage for Depreciated Parts

Digit covers 100% cost of previously depreciated parts, including fiber, rubber, metal and plastic components.

2. Higher Claim Amount

Since depreciation is not deducted, your claim payout becomes significantly higher compared to a standard policy.

3. Seamless Cashless Repairs

Digit has 7,000+ network garages where you can avail cashless repair services without paying for depreciation charges.

4. Smartphone-Enabled Claims

Digit’s digital self-inspection system allows fast claim approval through photos and videos uploaded on your phone.

5. Multiple Claims Allowed

Many insurers restrict zero-dep claims. Digit typically allows multiple claims (as per policy terms), making it ideal for new drivers or high-traffic areas.

6. Protects New Cars Completely

This add-on is extremely beneficial for cars up to 5 years old, as depreciation is highest during the early years.

7. Covers a Wide Range of Scenarios

Digit Zero Depreciation applies in cases of accidents, collisions, floods, cyclones, and more.

Benefits of Go Digit Zero Depreciation Car Insurance

Digit’s zero-dep add-on delivers strong value to car owners. The major benefits include:

1. Zero Out-of-Pocket Depreciation Cost

You don’t have to pay for the depreciated value of damaged parts, which saves thousands of rupees during claims.

2. Affordable Premium for High Value

Digit offers this add-on at a nominal extra cost, while the benefits greatly outweigh the premium amount.

3. Ideal for High-End & New Cars

If you own a new or premium vehicle, zero depreciation is essential to protect the high cost of modern spare parts.

4. Stress-Free Repairs

Even after accidental damages, the zero-dep cover ensures you don’t worry about deduction-related losses.

5. Better Financial Protection

Unexpected repair bills can strain your budget. A zero depreciation cover gives complete financial peace of mind.

6. Increases Claim Approval Amount

Since Digit settles 100% part cost without depreciation cuts, your claim value increases substantially.

Who Should Buy Go Digit Zero Depreciation Car Insurance?

This cover is especially beneficial for:

·       New car owners (1–5 years)

·       Owners of high-end or expensive cars

·       First-time drivers or new learners

·       People living in accident-prone cities

·       Car owners in flood-prone regions

·       Anyone wanting maximum protection at minimal additional cost

If you want to avoid paying thousands during repairs, this add-on is a must-have.

What Is Not Covered Under Digit Zero Depreciation Insurance?

While Digit offers strong coverage, some exclusions apply:

·       Mechanical or electrical breakdown

·       Driving without licence or under intoxication

·       Regular wear and tear

·       Engine damage without Engine Protect add-on

·       Damage due to commercial usage (if insured as private use)

·       Consumables (unless Consumables Cover add-on is purchased)

·       Total loss or theft cases (Zero Dep is not applicable; standard coverage applies)

Cost of Go Digit Zero Depreciation Add-On in 2025

The premium depends on factors like:

·       Car model & age

·       Location

·       Claim history

·       IDV

·       Base policy type

Typically, zero depreciation costs 15%–25% of the own damage premium, making it a cost-effective upgrade.

How to Buy Go Digit Zero Depreciation Car Insurance

You can purchase the zero depreciation cover while buying or renewing:

·       Digit Comprehensive Car Insurance

·       Digit Own Damage (Standalone OD) Insurance

Steps to buy:

1.     Visit Digit’s website or app

2.     Enter vehicle details

3.     Choose your base plan

4.     Add “Zero Depreciation” add-on

5.     Review premium

6.     Pay securely online

7.     Download your policy instantly

Conclusion

Go Digit Zero Depreciation Car Insurance is a must-have add-on for car owners who want maximum claim value and minimum out-of-pocket expenses. In 2025, with rising repair costs and expensive auto components, this cover ensures complete financial protection, stress-free repairs, and higher claim settlements—making it one of the best add-ons offered by Digit.

It’s affordable, highly beneficial and ideal for new cars, premium vehicles and daily urban drivers.

Frequently Asked Questions

Q.1. What is Go Digit Zero Depreciation Car Insurance?

Go Digit Zero Depreciation Car Insurance is an add-on cover that removes the depreciation cost deduction during claim settlement. This ensures you receive a higher claim amount for repairs or replacement of car parts like plastic, rubber, fibre, and metal—without bearing the depreciation charges.

Q.2. How does Zero Depreciation Cover work in Digit car insurance?

When you raise a claim, Digit reimburses or settles the full cost of approved parts without subtracting their depreciated value. This helps you avoid paying a major portion of repair costs out of pocket.

Q.3. Is Zero Depreciation Insurance mandatory?

No, Zero Depreciation is optional. However, it is highly recommended for new cars, high-value vehicles, and cars driven frequently in city traffic.

Q.4. How many times can I claim Zero Depreciation in Digit?

Digit generally allows 2 claims per policy year under Zero Depreciation. However, the exact limit can vary depending on your plan and vehicle type.

Q.5. Does Zero Depreciation cover engine damage?

No, Zero Depreciation only covers depreciation on parts. Engine damage is covered separately under an engine protection add-on.