Choosing the Best Bike Insurance Add-On: Zero Depreciation vs. RTI Cover Explained

Jun 11, 2024 3 min read
Choosing the Best Bike Insurance Add-On: Zero Depreciation vs. RTI Cover Explained

When it comes to safeguarding your prized two-wheeler, selecting the right bike insurance add-ons can make a significant difference. Among the plethora of add-ons available, Zero Depreciation and Return to Invoice (RTI) cover are two of the most sought-after options. This article delves into these two add-ons, helping you make an informed choice to enhance your Two-Wheeler insuarance policy.

Must Read: Top Tips for Spotting Fake Two-Wheeler Insurance Online

Understanding Two-Wheeler Insurance Add-Ons

Bike insurance is more than just a mandatory requirement; it's a crucial financial safeguard against unforeseen events. Standard 2-wheeler insurance policies cover a range of scenarios, but certain damages might leave you bearing significant out-of-pocket expenses. This is where add-ons come into play, offering enhanced protection.

Zero Depreciation Cover

Zero Depreciation cover, also known as bumper-to-bumper insurance, ensures that your insurer pays out the full cost of replacing bike parts without factoring in depreciation. Here’s a closer look at its benefits:

  1. Comprehensive Coverage: This add-on covers the cost of repairs or replacements of parts like plastic, rubber, fiberglass, and metal components, which typically depreciate over time.
  2. Minimal Out-of-Pocket Expenses: With Zero Depreciation cover, you significantly reduce out-of-pocket expenses during claims, as the insurer shoulders the depreciation cost.
  3. Enhanced Claim Amount: Since depreciation isn't deducted, you receive a higher claim amount, making it financially advantageous, especially for newer bikes.

Example Scenario: If your bike’s parts need replacement, and the total cost is ₹10,000, with standard insurance, depreciation might reduce your claim to ₹7,000. Zero Depreciation ensures you get the full ₹10,000.

RTI (Return to Invoice) Cover

RTI Cover is a valuable add-on that bridges the gap between the insured declared value (IDV) of your bike and its invoice value. It’s particularly beneficial in cases of total loss or theft. Here’s what RTI Cover offers:

  1. Invoice Price Reimbursement: In the event of total loss or theft, RTI cover ensures you receive the bike’s invoice value, including the road tax and registration cost.
  2. Protection Against Market Depreciation: Bikes depreciate over time, reducing their market value. RTI cover safeguards you from this depreciation, providing a full return on your investment.
  3. Financial Security: This cover is especially beneficial for those who have taken a loan to purchase their bike, as it helps clear outstanding debts.

Example Scenario: If your bike’s IDV is ₹50,000 but the invoice value is ₹70,000, in case of total loss, RTI cover ensures you receive ₹70,000, covering the gap between the IDV and the purchase price.

Comparing Zero Depreciation and RTI Cover

Choosing between Zero Depreciation and RTI Cover depends on various factors, including the age of your bike, its usage, and your financial preferences. Here’s a comparative analysis to guide your decision:

FeatureZero Depreciation CoverRTI Cover
CoverageRepair/replacement without depreciationFull invoice value reimbursement
Ideal ForNew and frequently used bikesNew bikes prone to theft/total loss
Financial ProtectionReduces repair costsCompensates for total loss/theft
Premium CostRelatively lowerSlightly higher due to comprehensive cover
DurationTypically available for bikes up to 5 yearsUsually available for bikes up to 3 years

Choosing the Right Add-On

To make the best decision, consider the following:

  1. Bike's Age and Usage: If your bike is new or you use it extensively, Zero Depreciation cover could be beneficial. For new bikes in high-theft areas or with high market depreciation, RTI cover is ideal.
  2. Financial Impact: Assess your ability to handle out-of-pocket expenses for repairs or total loss. Zero Depreciation lowers repair costs, while RTI provides a full return on your investment.
  3. Premium Costs: Factor in the cost of the add-on relative to the benefits. While both add-ons come at an extra premium, the financial protection they offer can outweigh these costs.

Utilizing CarInfo for Insurance Management

In addition to selecting the right add-ons, leveraging tools like the CarInfo app can streamline the management of your bike insurance renewal. CarInfo allows you to check two-wheeler insurance , service history, and even manage your RC details. It provides a comprehensive platform for all your vehicle-related needs, including e-challan payments and RTO information.


Both Zero Depreciation and RTI cover are valuable additions to your two-wheeler insurance policy. They offer enhanced protection and financial security, ensuring peace of mind. When choosing the best bike insurance add-on, consider your bike’s specifics, your usage patterns, and your financial preferences. By making an informed decision, you can ensure comprehensive coverage for your bike, protecting it from all eventualities.

For hassle-free insurance solutions, consider reputed providers like Acko Bike Insurance, offering a range of add-ons to customize your policy. Remember, a well-chosen Two-Wheeler Policy with the right add-ons not only protects your bike but also your financial well-being.

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