Bumper to Bumper Car Insurance kya hota hai? 2025 me iska meaning, benefits, premium, exclusions aur renewal process ka step-by-step guide in Hindi-English.
Introduction
Car insurance India me mandatory hai, lekin har ek policy same coverage nahi deti. Agar aap chahte ho ki aapke car ka maximum protection ho, chahe chhoti si scratch ho ya major accident, to aapko Bumper to Bumper Car Insurance lena chahiye.
Ye insurance special type ka add-on cover hota hai jo comprehensive policy ke saath milta hai. Is blog me hum detail me samjhenge:
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Bumper to Bumper Insurance kya hai
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Normal comprehensive policy se difference
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Benefits & features
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Premium cost & claim process
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Limitations & exclusions
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Top FAQs
What is Bumper to Bumper Car Insurance?
Bumper to Bumper Car Insurance ko Nil Depreciation Cover bhi kaha jata hai.
Normal insurance me, jab claim hota hai, to depreciation charges (car parts ki value ghatne ka percentage) deduct kar liya jata hai. Lekin bumper to bumper cover me depreciation charges deduct nahi hote.
Matlab: Aapko full claim settlement milega, except compulsory deductibles.
Difference Between Comprehensive vs. Bumper to Bumper Insurance
| Feature | Comprehensive Insurance | Bumper to Bumper Insurance |
|---|---|---|
| Depreciation Deducted | Yes | No |
| Claim Amount | Reduced (after depreciation) | Maximum (full settlement) |
| Premium | Lower | Higher |
| Coverage | Limited | Wider (almost everything except exclusions) |
Example for Better Understanding
👉 Suppose aapki car accident me damage hoti hai aur replacement cost ₹50,000 hai.
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Normal Comprehensive Policy: Depreciation (say ₹15,000) deduct hoga. Aapko milega ₹35,000.
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Bumper to Bumper Policy: Full ₹50,000 (except small deductibles like file charges).
Key Features of Bumper to Bumper Car Insurance
✅ Nil Depreciation – Car parts (plastic, fiber, glass, metal) ka koi depreciation nahi hoga.
✅ Complete Protection – Major + minor damages dono cover hote hain.
✅ Peace of Mind – Har claim pe maximum settlement.
✅ Mandatory for High-End Cars – Luxury cars ke liye highly recommended.
✅ Multiple Claims Allowed – Policy duration me multiple times claim kar sakte ho (limit company par depend karta hai).
Benefits of Bumper to Bumper Insurance
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Higher Claim Amount – Full settlement with minimum deductions.
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Covers Expensive Parts – Fiber, rubber, glass, and plastic parts fully covered.
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Best for New Cars – Nayi gadi me zyada depreciation hota hai, isliye bumper to bumper useful hai.
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Peace of Mind for Owners – Accident ke baad khud ke pocket se kharcha karne ki tension nahi hoti.
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Better Resale Value – Well-protected car ka resale value bhi high rehta hai.
Premium of Bumper to Bumper Car Insurance in 2025
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Premium normal comprehensive policy se 10-20% zyada hota hai.
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Example: Agar comprehensive premium ₹20,000 hai, to bumper to bumper ka premium ₹22,000 – ₹24,000 hoga.
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Luxury cars ke liye premium thoda aur high ho sakta hai.
Claim Process – Bumper to Bumper Car Insurance
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Accident Report Karein – Insurance company ko immediately inform karein.
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File Claim Request – Policy number, RC details aur accident proof submit karein.
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Surveyor Inspection – Insurance surveyor car inspect karega.
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Cashless Repair – Approved garages me repair hota hai.
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Claim Settlement – Depreciation deduct nahi hoga, aapko maximum claim milega.
Exclusions – Kya Cover Nahi Hota?
❌ Engine damage due to oil leakage / water ingression
❌ Tyres, tubes & batteries (unless damaged in accident)
❌ Regular wear & tear (maintenance issues)
❌ Drunk driving / illegal driving
❌ Outside geographical limits
Who Should Buy Bumper to Bumper Car Insurance?
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✅ New car owners (0–5 years old cars)
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✅ Luxury / premium car owners (BMW, Audi, Mercedes, etc.)
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✅ Metro cities me car chalane wale (accident risk zyada hota hai)
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✅ First-time car buyers (maximum protection chahiye)
Bumper to Bumper Insurance Renewal
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Har saal renewal karna zaroori hai.
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Maximum coverage 5–7 saal tak milta hai (car ki age ke hisaab se).
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Renewal ke waqt claim history aur NCB (No Claim Bonus) bhi consider hota hai.
Top Insurance Companies Offering Bumper to Bumper Add-On in India (2025)
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HDFC ERGO General Insurance
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ICICI Lombard Car Insurance
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Bajaj Allianz Car Insurance
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Tata AIG Car Insurance
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SBI General Insurance
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Digit Insurance
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Acko Car Insurance
FAQs – Bumper to Bumper Car Insurance
Q1. Bumper to Bumper Insurance ka matlab kya hai?
👉 Ye ek add-on cover hai jo depreciation deduct nahi karta aur maximum claim settlement deta hai.
Q2. Kya ye policy compulsory hai?
👉 Nahi, ye optional add-on hai, lekin nayi cars ke liye strongly recommended hai.
Q3. Kya isme unlimited claims allowed hote hain?
👉 Maximum claims ki limit insurance company decide karti hai (generally 2–3 claims per year).
Q4. Kya 10 saal purani car me bumper to bumper cover milta hai?
👉 Generally nahi. Ye sirf 5–7 saal tak ki cars ke liye available hota hai.
Q5. Premium zyada kyu hota hai?
👉 Kyunki insurance company ko depreciation ka loss bear karna padta hai, isliye premium thoda high hota hai.
Conclusion
Bumper to Bumper Car Insurance ek smart choice hai un logon ke liye jo apni car ko maximum protection dena chahte hain.
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Normal policy me depreciation cut hota hai, lekin bumper to bumper cover me full claim settlement milta hai.
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Thoda extra premium pay karke aap apni car ke liye hassle-free protection le sakte ho.
👉 Agar aap ek nayi car owner ho ya metro city me drive karte ho, to bumper to bumper car insurance aapke liye best investment hai.
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