Bumper to Bumper Car Insurance: For Complete Car Protection


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The zero depreciation insurance policy, popularly known as bumper to bumper car insurance, was introduced in India in 2009 (Source taken by Forbes) If you’ve ever bought car insurance from an insurance agent, you would know that they rarely keep their word when they say they provide an all-inclusive policy. Most car insurance policies do not safeguard your vehicle from everyday wear and tear. Even occasionally, you might encounter situations where your current policy might seem insufficient to meet all your insurance needs.

The bumper to bumper insurance policy is the answer for those seeking exhaustive coverage for their car. Although the comprehensive insurance policy is a fantastic choice for an all-inclusive car plan, you should choose the bumper to bumper policy if you want broad coverage.

What is a Bumper to Bumper Car Insurance Plan?

As the name suggests, it is an add-on to comprehensive car insurance that provides bumper coverage for the insured vehicle. Except for glass, batteries, tyres and engine, almost the entire vehicle is covered by this insurance policy. 

The numerous items covered by this insurance include metal, fibreglass, rubber, nylon and plastic partsā€”most of which are often not covered by standard car insurance plans.

Primary Features of Bumper to Bumper Car Insurance

To guarantee the security of the occupants, driver, and owner, the Madras High Court has made it mandatory for all new cars to have bumper to bumper insurance for five years (Source: Bar and Bench). 

Features of bumper to bumper insurance include: 

  1. The number of claims allowed under this add-on coverage is limited and varies from insurer to insurer.
  1. It is accessible during the purchase and renewal of a car insurance policy.
  1. A zero-depreciation policy must be renewed annually to keep receiving its advantages.
  1. For new vehicles or vehicles with an age restriction of five years, the bumper to bumper cover is advantageous.
  1. You can claim the total amount under a bumper to bumper insurance policy. In contrast, up to 40% depreciation rates are applicable in a standard insurance plan.
  1. This insurance plan does not cover everyday wear and tear.
  1. A zero depreciation policy does not cover damages brought on by uninsured equipment like tyres, bi-fuel kits, gas kits, and mechanical breakdowns.

Factors to Consider Before Purchasing Bumper to Bumper InsuranceĀ 

To make an informed decision, you must weigh several factors before choosing between a basic insurance plan and a bumper to bumper plan.

  • Claim limitations

With some insurance providers, you can file only a certain number of claims during the policy period. This is done to prevent policyholders from filing petty claims for small damages. When selecting bumper to bumper coverage, be careful to read the terms and conditions of the claim limitations.

  • Cost of add-on cover

Compared to the standard comprehensive car insurance policy, the price of the bumper to bumper policy is a little higher. Even though it may seem pricey, your funds are adequately secured if your car sustains damage in an unexpected accident.

  • Selected availability 

There are limitations imposed on the age of a car. After a certain age, insurers stop providing bumper to bumper coverage for vehicles. Therefore, before selecting the add-on cover, you should review the terms and conditions.

Advantages of a Bumper to Bumper Car Policy

Bumper to bumper insurance policies come with significant advantages over standard insurance policies. Some of them are:

  • Complete coverage

Bumper to bumper insurance offers 100% coverage for all car parts including metal, plastic and rubber parts, without any deductions for depreciation.

  • Covers damages to new cars

Some insurance policies do not cover the whole vehicle, so policyholders are concerned about the accidental risk to their new vehicles. The bumper to bumper policy covers the entire cost of damage to your new car.

Disadvantages of a Bumper to Bumper Car Policy

Here are some not-so-great aspects of bumper to bumper insurance. You must know these before purchasing the plan. 

  • A bumper to bumper plan is costly. The premium can go up by 10% to 20% compared to the standard plan.
  • Limitations on the number of claims. Your insurance converts to a comprehensive plan once you exceed the claims limit. The insurer only allows a certain amount of claims per year.
  • The policy does not cover engine damage due to oil leaks or the usual wear and tear of tyres or clutch plates during routine driving.
  • Bumper to bumper insurance costs 10 to 20 times more than a standard policy because of the all-inclusive coverage. A higher premium is worth it when there is a complete damage coverage guarantee.


Although bumper to bumper insurance is more expensive than standard insurance plans, its benefits make up for the margin. So, what are you waiting for? Get your bumper to bumper car insurance online now.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales.