Zero-depreciation cover: is it worth it for your car?

Zero-depreciation — sometimes called 'bumper-to-bumper' cover — is one of the most talked-about motor insurance add-ons. It can meaningfully increase your payout when you claim, but it isn't the right call for every car.

What depreciation does to a normal claim

In a standard policy, when parts are replaced after an accident, the insurer applies depreciation based on the part's age and material — plastic and rubber components depreciate fastest. That means you cover a chunk of the replacement cost yourself. Zero-depreciation cover removes those deductions, so you're paid the full cost of the replaced parts.

When it's usually worth it

• New cars, typically in the first five years, where part costs are high and depreciation bites hardest.
• Premium or luxury vehicles with expensive panels and components.
• Cars driven in dense traffic or accident-prone areas, where minor damage is more likely.

When you can probably skip it

For older vehicles, the add-on premium can outweigh the benefit, since the car's overall value — and your likely claim — is lower. At that stage, many owners drop zero-dep and put the savings towards other useful add-ons or simply a leaner premium.

The right answer depends on your specific car's age, value and how you drive it. We're happy to look at your vehicle and tell you honestly whether the add-on earns its place.

This guide is general information to help you understand your options, not financial or tax advice. Please consider your own circumstances and consult a qualified professional where needed.