Instant Zero-Dep Car & Bike Insurance

Zero Depreciation (also known as Nil-Depreciation or Bumper-to-Bumper) ensures you receive 100% claim reimbursement on replaced parts without any deduction for material depreciation (standard policies deduct 50% for plastic/rubber and up to 40% for metal parts).

Yes! No Claim Bonus belongs to the vehicle owner, not the car or the previous insurer. You can easily transfer up to 50% accrued NCB from your old policy to your new policy, saving thousands of rupees on your renewal premium.

At any of the 8,200+ partner network garages (Maruti, Hyundai, Tata, Mahindra, Honda, Toyota, etc.), you do not need to pay for repair costs upfront. The insurer coordinates directly with the garage surveyor and settles the approved claim invoice directly.

Absolutely. Standard comprehensive insurance excludes engine damage caused by water entry (hydrostatic lock) when driving through flooded roads. An Engine Protect add-on covers complete engine rebuilding, piston replacement, and lubricant costs.

Return to Invoice is a premium add-on that bridges the gap between the Insured Declared Value (IDV) and the original on-road purchase price of the vehicle (including road tax and registration fees) in the event of total loss or theft.

For minor fender-benders, scratches, or dent claims, you simply open the digital claim link on your smartphone, record a 360-degree video walkthrough of the damage and registration plate, and receive instant AI repair pre-authorization without waiting for a physical surveyor visit.

RSA provides pan-India emergency assistance: free flatbed towing up to 50 km, dead battery jumpstart, on-spot puncture repair, emergency fuel delivery (up to 5L), key lockout assistance, and taxi assistance to reach your destination.

Stay calm, ensure personal safety, capture photos and video of the damage and vehicle position, note down third-party vehicle details if involved, and intimate your claim instantly through Letsbima.com before moving the vehicle.