{"id":2849,"date":"2024-08-27T06:50:23","date_gmt":"2024-08-27T06:50:23","guid":{"rendered":"https:\/\/elephant.in\/knowledge-center\/?post_type=web-story&#038;p=2849"},"modified":"2024-10-25T10:33:37","modified_gmt":"2024-10-25T10:33:37","slug":"8-factors-affect-the-premium-of-your-zero-depreciation-car-insurance","status":"publish","type":"web-story","link":"https:\/\/elephant.in\/knowledge-center\/web-stories\/8-factors-affect-the-premium-of-your-zero-depreciation-car-insurance\/","title":{"rendered":"8 factors affect the premium of your zero depreciation car insurance"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link 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publisher-logo-src=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2023\/09\/Elepahnt-Logo-in-96x96-01.jpg\" title=\"8 factors affect the premium of your zero depreciation car insurance\" poster-portrait-src=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/cropped-zero-depreciation-of-car-insurance-premium-01-1-scaled-1.jpg\"><amp-story-page id=\"0f91268c-eb88-46ee-836f-26671851dd72\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#72818f\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-3bdb5b4e-4544-4922-9b47-6b4952b6dca3\">\n<div 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768w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-01-576x1024.jpg 576w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-01-169x300.jpg 169w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-01-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-4.85437%;top:63.1068%;width:108.98058%;height:23.13916%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-23764b82-1fe5-4692-9f24-518031e5fea8\">\n<div class=\"fill\" style=\"background-color:rgba(0,0,0,0.5);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:2.6699%;top:68.12298%;width:94.41748%;height:13.91586%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5141388174807198% 0.5141388174807198% 0.5141388174807198% 0.5141388174807198% \/ 2.3255813953488373% 2.3255813953488373% 2.3255813953488373% 2.3255813953488373%\" id=\"el-38603cde-b126-4661-a5b3-39897c7f6f73\">\n<h1 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.08946015424164544% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.388350em;line-height:1.19;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">8 Factors Affect The Premium of Your Zero Depreciation Car Insurance.<\/span><\/span><\/h1>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"05b0ff2d-b2a5-46ca-8f41-d185f21e4458\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-7b216b7c-aa8a-4ae6-a09e-546395a74c66\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-82698c05-5d13-4a5d-bf4d-8d8a51c14735\",\"keyframes\":{\"transform\":[\"translate3d(0px, -323.5513%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0bceaf84-b27e-448d-956b-75f4781b1037\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-286a48ea-1510-42fa-924d-2676f85055e8\",\"keyframes\":{\"transform\":[\"translate3d(0px, 977.77767%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-89b41670-53b3-4b5d-baea-0b93cc5450a9\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-8c658837-41cf-4a46-bfc3-a1cdf0d80cb0\",\"keyframes\":{\"transform\":[\"translate3d(0px, 198.35389%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#d8dbe0\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-81e81793-9af9-4303-a35b-2a636546d24e\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-02-scaled.jpg\" alt=\"Vehicle Age\" srcSet=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-02-scaled.jpg 1440w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-02-1152x2048.jpg 1152w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-02-864x1536.jpg 864w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-02-768x1366.jpg 768w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-02-576x1024.jpg 576w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-02-169x300.jpg 169w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-02-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-4.85437%;top:66.34304%;width:108.98058%;height:33.81877%;opacity:1\">\n<div id=\"anim-7b216b7c-aa8a-4ae6-a09e-546395a74c66\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-82698c05-5d13-4a5d-bf4d-8d8a51c14735\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, -323.5513%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-046c9d18-cc4a-4807-aa7d-f831eea5c407\">\n<div class=\"fill\" style=\"background-color:rgba(0,0,0,0.5);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:1.94175%;top:74.59547%;width:94.41748%;height:17.47573%;opacity:1\">\n<div id=\"anim-89b41670-53b3-4b5d-baea-0b93cc5450a9\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-8c658837-41cf-4a46-bfc3-a1cdf0d80cb0\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 198.35389%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5141388174807198% 0.5141388174807198% 0.5141388174807198% 0.5141388174807198% \/ 1.8518518518518516% 1.8518518518518516% 1.8518518518518516% 1.8518518518518516%\" id=\"el-d9427b71-29ae-423b-baab-c0136befd489\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.06709511568123419% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.291262em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">Newer cars typically have higher premiums for zero depreciation insurance since the cost of replacement parts is higher and the likelihood of claims is more significant.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:1.94175%;top:68.12298%;width:40.7767%;height:4.20712%;opacity:1\">\n<div id=\"anim-0bceaf84-b27e-448d-956b-75f4781b1037\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-286a48ea-1510-42fa-924d-2676f85055e8\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 977.77767%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:1.1904761904761905% 1.1904761904761905% 1.1904761904761905% 1.1904761904761905% \/ 7.6923076923076925% 7.6923076923076925% 7.6923076923076925% 7.6923076923076925%\" id=\"el-37e2117a-48d7-4e60-8a76-bd8bb0969183\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.18988095238095287% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">1. Vehicle Age<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"2c65ca05-9da8-4985-ad50-c245bc2b94a1\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-ed1a76aa-6803-49bb-8080-41c0c769239c\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0f2410c1-af02-4410-a585-93563054015b\",\"keyframes\":{\"transform\":[\"translate3d(0px, 954.70084%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-642c4acf-8c50-4c04-bad6-0717c238dcf0\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-89058466-158d-4ab6-a6ad-d22022d20f0d\",\"keyframes\":{\"transform\":[\"translate3d(0px, 126.90059%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0627bc79-6d55-4bc7-a0eb-ebb30754b6ce\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-bd2fa180-36f5-4268-ade6-d9416d58fd5a\",\"keyframes\":{\"transform\":[\"translate3d(0px, 249.09556%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#ededee\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-49ac59d7-9976-4ee9-9cdf-a4628bb2df45\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-03-scaled.jpg\" alt=\"Vehicle Make and Model\" srcSet=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-03-scaled.jpg 1440w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-03-1152x2048.jpg 1152w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-03-864x1536.jpg 864w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-03-768x1366.jpg 768w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-03-576x1024.jpg 576w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-03-169x300.jpg 169w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-03-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-4.85437%;top:66.34304%;width:108.98058%;height:33.81877%;opacity:1\">\n<div id=\"anim-642c4acf-8c50-4c04-bad6-0717c238dcf0\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-89058466-158d-4ab6-a6ad-d22022d20f0d\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 126.90059%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-863228f7-f2b4-4865-aff0-040da04ca32a\">\n<div class=\"fill\" style=\"background-color:rgba(0,0,0,0.5);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:1.94175%;top:74.59547%;width:94.41748%;height:13.91586%;opacity:1\">\n<div id=\"anim-0627bc79-6d55-4bc7-a0eb-ebb30754b6ce\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-bd2fa180-36f5-4268-ade6-d9416d58fd5a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 249.09556%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5141388174807198% 0.5141388174807198% 0.5141388174807198% 0.5141388174807198% \/ 2.3255813953488373% 2.3255813953488373% 2.3255813953488373% 2.3255813953488373%\" id=\"el-cf95dbc7-a5c7-4917-aeb1-31c74c2c4ee7\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.06709511568123419% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.291262em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">The brand, model, and variant of the car affect the premium. Luxury cars or models with expensive parts will have higher premiums.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:1.94175%;top:69.09385%;width:77.6699%;height:4.20712%;opacity:1\">\n<div id=\"anim-ed1a76aa-6803-49bb-8080-41c0c769239c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-0f2410c1-af02-4410-a585-93563054015b\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 954.70084%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.625% 0.625% 0.625% 0.625% \/ 7.6923076923076925% 7.6923076923076925% 7.6923076923076925% 7.6923076923076925%\" id=\"el-e4dd93ca-2530-47fc-8889-252a15adf1c9\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.09968750000000025% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">2. Vehicle Make and Model<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"8c25ba90-1855-4fb8-81ba-6180c5d83382\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-54c2aa87-4ae6-43fc-bec1-4f064596c092\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3ff55ffa-5b8e-4abe-a82a-dd3af5d8ec44\",\"keyframes\":{\"transform\":[\"translate3d(0px, 126.90059%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-1f80df4f-b494-4c88-bd9c-d89fc174e5be\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-5f704d66-9e2d-4b7c-b591-d02467ce263d\",\"keyframes\":{\"transform\":[\"translate3d(0px, 340.03543%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-b9642671-24e9-4052-a029-0134a12ed74c\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0dd569fa-cca9-4545-82a9-32f63a7feb65\",\"keyframes\":{\"transform\":[\"translate3d(0px, 954.70084%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#2c2e37\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-c263ae99-2949-4fcb-b52e-aff02b29ecce\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-04-scaled.jpg\" alt=\"Engine Capacity\" srcSet=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-04-scaled.jpg 1440w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-04-1152x2048.jpg 1152w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-04-864x1536.jpg 864w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-04-768x1366.jpg 768w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-04-576x1024.jpg 576w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-04-169x300.jpg 169w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-04-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-4.85437%;top:66.34304%;width:108.98058%;height:33.81877%;opacity:1\">\n<div id=\"anim-54c2aa87-4ae6-43fc-bec1-4f064596c092\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-3ff55ffa-5b8e-4abe-a82a-dd3af5d8ec44\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 126.90059%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-5373d07d-045e-4a08-9c25-14f0d30d57c4\">\n<div class=\"fill\" style=\"background-color:rgba(0,0,0,0.5);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.36893%;top:74.59547%;width:94.41748%;height:10.19417%;opacity:1\">\n<div id=\"anim-1f80df4f-b494-4c88-bd9c-d89fc174e5be\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-5f704d66-9e2d-4b7c-b591-d02467ce263d\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 340.03543%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5141388174807198% 0.5141388174807198% 0.5141388174807198% 0.5141388174807198% \/ 3.1746031746031744% 3.1746031746031744% 3.1746031746031744% 3.1746031746031744%\" id=\"el-3a665d05-b8fa-4f5e-8432-05cd18b279a4\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.06709511568123419% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.291262em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">Cars with higher engine capacities usually have higher insurance premiums, including zero depreciation coverage.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.36893%;top:69.09385%;width:77.6699%;height:4.20712%;opacity:1\">\n<div id=\"anim-b9642671-24e9-4052-a029-0134a12ed74c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-0dd569fa-cca9-4545-82a9-32f63a7feb65\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 954.70084%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.625% 0.625% 0.625% 0.625% \/ 7.6923076923076925% 7.6923076923076925% 7.6923076923076925% 7.6923076923076925%\" id=\"el-60003224-3dce-44a0-ba75-5001eb4cd486\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.09968750000000025% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">3. Engine Capacity<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"47b7689d-2c44-44fc-b8a4-f17efa6c241f\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-d8e4c952-b489-4bac-8af9-23092f4c8e2f\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-61c3e55a-7e33-4307-a8dd-5f09eed12ac8\",\"keyframes\":{\"transform\":[\"translate3d(0px, 126.90059%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-36c91f13-2a66-486f-8624-c5d763b38728\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-15d78cf8-2298-4f77-93f0-4b21c8fc316b\",\"keyframes\":{\"transform\":[\"translate3d(0px, 249.09556%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-07a3d752-b051-4dca-bda4-bf283abda792\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-b26a481c-bba6-4b42-a371-feb92a02e29e\",\"keyframes\":{\"transform\":[\"translate3d(0px, 954.70084%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#4d4e53\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-a264366d-1efe-42b3-998c-68dfc91bfa15\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-05-scaled.jpg\" alt=\"Location\" srcSet=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-05-scaled.jpg 1440w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-05-1152x2048.jpg 1152w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-05-864x1536.jpg 864w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-05-768x1366.jpg 768w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-05-576x1024.jpg 576w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-05-169x300.jpg 169w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-05-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-4.85437%;top:66.34304%;width:108.98058%;height:33.81877%;opacity:1\">\n<div id=\"anim-d8e4c952-b489-4bac-8af9-23092f4c8e2f\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-61c3e55a-7e33-4307-a8dd-5f09eed12ac8\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 126.90059%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-d885a521-f01f-4b01-8fcb-d8b9633b52f8\">\n<div class=\"fill\" style=\"background-color:rgba(0,0,0,0.5);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.36893%;top:74.59547%;width:94.41748%;height:13.91586%;opacity:1\">\n<div id=\"anim-36c91f13-2a66-486f-8624-c5d763b38728\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-15d78cf8-2298-4f77-93f0-4b21c8fc316b\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 249.09556%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5141388174807198% 0.5141388174807198% 0.5141388174807198% 0.5141388174807198% \/ 2.3255813953488373% 2.3255813953488373% 2.3255813953488373% 2.3255813953488373%\" id=\"el-a040ff2c-d2ca-48d7-a61a-943ec36e7475\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.06709511568123419% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.291262em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">The area where the car is registered and driven influences the premium. Cars in metro cities or areas with higher accident rates may have higher premiums.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.36893%;top:69.09385%;width:77.6699%;height:4.20712%;opacity:1\">\n<div id=\"anim-07a3d752-b051-4dca-bda4-bf283abda792\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-b26a481c-bba6-4b42-a371-feb92a02e29e\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 954.70084%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.625% 0.625% 0.625% 0.625% \/ 7.6923076923076925% 7.6923076923076925% 7.6923076923076925% 7.6923076923076925%\" id=\"el-e6d84bdb-6896-45c0-80a4-e4bdaa9e47e3\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.09968750000000025% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">4. Location<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"2ab51fca-ba39-4006-8f53-cc29491fb0d0\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-ecbeab34-0ede-48d8-9b36-1be5718f79f4\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-25c7549a-026d-40de-866b-d017751e143a\",\"keyframes\":{\"transform\":[\"translate3d(0px, 126.90059%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-e9cf7bb0-060e-4394-a67d-772106c1a7a9\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-a6a86ab9-08e9-4952-a5a4-c212471843c4\",\"keyframes\":{\"transform\":[\"translate3d(0px, 197.37950%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-9d609ce1-fa81-4e45-a4d0-9700167c727e\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3bbd2d8b-904e-4afe-a43f-d26cfa79e067\",\"keyframes\":{\"transform\":[\"translate3d(0px, 947.00840%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#37393f\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-634685d3-30f0-44be-adab-ed731e33c3c4\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-06-scaled.jpg\" alt=\"Insured Declared Value (IDV)\" srcSet=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-06-scaled.jpg 1440w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-06-1152x2048.jpg 1152w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-06-864x1536.jpg 864w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-06-768x1366.jpg 768w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-06-576x1024.jpg 576w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-06-169x300.jpg 169w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-06-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-4.85437%;top:66.34304%;width:108.98058%;height:33.81877%;opacity:1\">\n<div id=\"anim-ecbeab34-0ede-48d8-9b36-1be5718f79f4\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-25c7549a-026d-40de-866b-d017751e143a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 126.90059%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-51ed5fc7-0389-4dac-bc08-cc29c1659110\">\n<div class=\"fill\" style=\"background-color:rgba(0,0,0,0.5);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.36893%;top:75.40453%;width:94.41748%;height:17.1521%;opacity:1\">\n<div id=\"anim-e9cf7bb0-060e-4394-a67d-772106c1a7a9\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-a6a86ab9-08e9-4952-a5a4-c212471843c4\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 197.37950%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5141388174807198% 0.5141388174807198% 0.5141388174807198% 0.5141388174807198% \/ 1.8867924528301887% 1.8867924528301887% 1.8867924528301887% 1.8867924528301887%\" id=\"el-9e9b5304-03e2-4ac0-b2d9-c925b9ea2c84\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.06709511568123419% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.291262em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">The IDV is the maximum sum assured provided by the insurer in case of theft or total loss. A higher IDV leads to a higher premium, including for zero depreciation coverage.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.36893%;top:69.41748%;width:91.74757%;height:4.20712%;opacity:1\">\n<div id=\"anim-9d609ce1-fa81-4e45-a4d0-9700167c727e\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-3bbd2d8b-904e-4afe-a43f-d26cfa79e067\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 947.00840%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5291005291005291% 0.5291005291005291% 0.5291005291005291% 0.5291005291005291% \/ 7.6923076923076925% 7.6923076923076925% 7.6923076923076925% 7.6923076923076925%\" id=\"el-b2308f26-f9cd-406c-8c79-4276a06b993f\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.08439153439153461% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">5. Insured Declared Value (IDV)<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"5e890507-61c7-4626-ba03-d47ee832bedf\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-cbf3f0bf-14e7-4a18-98bb-f7ab33ccae48\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-6b2780c1-68f4-4c14-af60-213397e2b5c1\",\"keyframes\":{\"transform\":[\"translate3d(0px, 126.90059%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-5dfbd876-8420-4546-a551-f3c39033b633\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-1a3157be-21ab-490b-8893-4365100a736a\",\"keyframes\":{\"transform\":[\"translate3d(0px, 332.09893%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-f68ae02f-e55a-4a39-8729-e65febd4a87a\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-d0eb2329-a039-4448-8010-384da667b0e6\",\"keyframes\":{\"transform\":[\"translate3d(0px, 947.00840%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#d0c1bd\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-390d0da9-4e90-48ee-82d3-c7cd0b16f3ae\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-07-scaled.jpg\" alt=\"Claim History\" srcSet=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-07-scaled.jpg 1440w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-07-1152x2048.jpg 1152w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-07-864x1536.jpg 864w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-07-768x1366.jpg 768w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-07-576x1024.jpg 576w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-07-169x300.jpg 169w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-07-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-4.85437%;top:66.34304%;width:108.98058%;height:33.81877%;opacity:1\">\n<div id=\"anim-cbf3f0bf-14e7-4a18-98bb-f7ab33ccae48\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-6b2780c1-68f4-4c14-af60-213397e2b5c1\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 126.90059%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-d974a7e9-effe-4d75-b8db-56ad92dd8f70\">\n<div class=\"fill\" style=\"background-color:rgba(0,0,0,0.5);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.36893%;top:75.40453%;width:94.41748%;height:10.19417%;opacity:1\">\n<div id=\"anim-5dfbd876-8420-4546-a551-f3c39033b633\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-1a3157be-21ab-490b-8893-4365100a736a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 332.09893%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5141388174807198% 0.5141388174807198% 0.5141388174807198% 0.5141388174807198% \/ 3.1746031746031744% 3.1746031746031744% 3.1746031746031744% 3.1746031746031744%\" id=\"el-2c4902e5-708e-4f67-aa28-9f9c8497b583\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.06709511568123419% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.291262em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">If the owner has a history of frequent claims, the premium for zero depreciation coverage may be higher.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:4.36893%;top:69.41748%;width:91.74757%;height:4.20712%;opacity:1\">\n<div id=\"anim-f68ae02f-e55a-4a39-8729-e65febd4a87a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-d0eb2329-a039-4448-8010-384da667b0e6\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 947.00840%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5291005291005291% 0.5291005291005291% 0.5291005291005291% 0.5291005291005291% \/ 7.6923076923076925% 7.6923076923076925% 7.6923076923076925% 7.6923076923076925%\" id=\"el-ab37b232-9eaf-4f9e-86bb-9d00c3de8113\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.08439153439153461% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">6. Claim History<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"29917bff-dc02-47e2-beb2-4b93b741d347\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-1f8c21ca-4bd9-4a71-accc-8cc649975187\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-985a6146-4590-4d00-93cd-ef6bcd6c3a2a\",\"keyframes\":{\"transform\":[\"translate3d(0px, 126.90059%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-a4797232-d373-4595-a740-c57771a5bc6c\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0d762c89-6215-4fff-9203-b8821405094b\",\"keyframes\":{\"transform\":[\"translate3d(0px, 243.28162%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-cb2b8c33-b473-4b08-aa39-f3c7e0aebb88\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-02b52b20-103a-4960-8cc0-b61f1909a239\",\"keyframes\":{\"transform\":[\"translate3d(0px, 947.00840%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#c3c6bd\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-27cdfef4-ac93-4aee-838b-c0d81c48d185\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-08-scaled.jpg\" alt=\"Add-ons\" srcSet=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-08-scaled.jpg 1440w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-08-1152x2048.jpg 1152w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-08-864x1536.jpg 864w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-08-768x1366.jpg 768w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-08-576x1024.jpg 576w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-08-169x300.jpg 169w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-08-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-4.85437%;top:66.34304%;width:108.98058%;height:33.81877%;opacity:1\">\n<div id=\"anim-1f8c21ca-4bd9-4a71-accc-8cc649975187\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-985a6146-4590-4d00-93cd-ef6bcd6c3a2a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 126.90059%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-3a931249-6b30-4370-a598-997dba00782b\">\n<div class=\"fill\" style=\"background-color:rgba(0,0,0,0.5);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:3.15534%;top:75.40453%;width:94.41748%;height:13.91586%;opacity:1\">\n<div id=\"anim-a4797232-d373-4595-a740-c57771a5bc6c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-0d762c89-6215-4fff-9203-b8821405094b\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 243.28162%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5141388174807198% 0.5141388174807198% 0.5141388174807198% 0.5141388174807198% \/ 2.3255813953488373% 2.3255813953488373% 2.3255813953488373% 2.3255813953488373%\" id=\"el-d93f886d-5e2f-4155-810f-bdb41a1bad66\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.06709511568123419% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.291262em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">Zero depreciation is often an add-on to a comprehensive policy, so the cost of this add-on is added to the base premium of the insurance policy.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:3.15534%;top:69.41748%;width:91.74757%;height:4.20712%;opacity:1\">\n<div id=\"anim-cb2b8c33-b473-4b08-aa39-f3c7e0aebb88\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-02b52b20-103a-4960-8cc0-b61f1909a239\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 947.00840%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5291005291005291% 0.5291005291005291% 0.5291005291005291% 0.5291005291005291% \/ 7.6923076923076925% 7.6923076923076925% 7.6923076923076925% 7.6923076923076925%\" id=\"el-fba4f9af-79af-4da6-bccf-aa6a15f45f3a\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.08439153439153461% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">7. Add-ons<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"3f4e333c-2b96-4d7f-91ab-e8df44877d61\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3f7318d7-9c7f-4cec-8daa-4cfa2955e479\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-8c48e7ed-013c-4025-a03b-8424474c3a92\",\"keyframes\":{\"transform\":[\"translate3d(0px, 126.90059%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-39b3fc2b-ecae-4533-a109-14b620ae4f9e\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-747d05d1-9cc3-4a4e-83fe-83ca58d16963\",\"keyframes\":{\"transform\":[\"translate3d(0px, 243.28162%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3b6e2d39-2c50-4e74-a7ed-0980828be51d\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-a6c53d7e-72a5-4e7e-bec9-f2478fd86385\",\"keyframes\":{\"transform\":[\"translate3d(0px, 947.00840%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#353537\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-5e5add98-daaf-4024-b6df-c4fca3b51785\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-09-scaled.jpg\" alt=\"No Claim Bonus (NCB)\" srcSet=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-09-scaled.jpg 1440w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-09-1152x2048.jpg 1152w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-09-864x1536.jpg 864w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-09-768x1366.jpg 768w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-09-576x1024.jpg 576w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-09-169x300.jpg 169w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-09-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-4.85437%;top:66.34304%;width:108.98058%;height:33.81877%;opacity:1\">\n<div id=\"anim-3f7318d7-9c7f-4cec-8daa-4cfa2955e479\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-8c48e7ed-013c-4025-a03b-8424474c3a92\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 126.90059%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-474f7e1f-3031-42e1-be0f-abfbece9a845\">\n<div class=\"fill\" style=\"background-color:rgba(0,0,0,0.5);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:3.15534%;top:75.40453%;width:94.41748%;height:13.91586%;opacity:1\">\n<div id=\"anim-39b3fc2b-ecae-4533-a109-14b620ae4f9e\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-747d05d1-9cc3-4a4e-83fe-83ca58d16963\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 243.28162%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5141388174807198% 0.5141388174807198% 0.5141388174807198% 0.5141388174807198% \/ 2.3255813953488373% 2.3255813953488373% 2.3255813953488373% 2.3255813953488373%\" id=\"el-29088a0b-08ff-4df2-b4db-5d97c7f9c777\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.06709511568123419% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.291262em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #fff\">The NCB, which is a discount for not making claims in previous years, can lower the overall premium, including the zero depreciation add-on.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:3.15534%;top:69.41748%;width:91.74757%;height:4.20712%;opacity:1\">\n<div id=\"anim-3b6e2d39-2c50-4e74-a7ed-0980828be51d\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-a6c53d7e-72a5-4e7e-bec9-f2478fd86385\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 947.00840%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5291005291005291% 0.5291005291005291% 0.5291005291005291% 0.5291005291005291% \/ 7.6923076923076925% 7.6923076923076925% 7.6923076923076925% 7.6923076923076925%\" id=\"el-ad169c08-c724-460e-956b-ace7730ae495\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.08439153439153461% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.355987em;line-height:1.19;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">8. No Claim Bonus (NCB)<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"62d188ec-956d-42bf-8476-27545cff6454\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-e182bf5b-8292-458b-9215-1363389f279b\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-e1113879-0593-4530-950d-d7c5dc6b0435\",\"keyframes\":{\"transform\":[\"translate3d(0px, 100.70606%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-24168dce-3295-4133-aea3-1dd18206309b\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-5b909198-ca57-4420-bd83-e7e815379835\",\"keyframes\":{\"transform\":[\"translate3d(0px, 467.19090%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-c15e7f3e-a2c9-4fc8-a031-f1ddd70afb63\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-7c97af0a-d590-4105-8e63-6c6769e8f54b\",\"keyframes\":{\"transform\":[\"translate3d(0px, 1484.25750%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-1111bd58-2392-4cd9-8df3-4e00e937f37a\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0e917721-fcdf-448e-ac49-7fd22d43e0ae\",\"keyframes\":{\"transform\":[\"translate3d(0px, 238.44805%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":600,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#4c474a\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-ad5c49da-cb05-4798-9243-514624a22aec\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-10-scaled.jpg\" alt=\"zero depreciation of car insurance premium-10\" srcSet=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-10-scaled.jpg 1440w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-10-1152x2048.jpg 1152w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-10-864x1536.jpg 864w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-10-768x1366.jpg 768w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-10-576x1024.jpg 576w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-10-169x300.jpg 169w,https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2024\/08\/zero-depreciation-of-car-insurance-premium-10-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-4.85437%;top:11.8123%;width:108.98058%;height:96.76375%;opacity:1\">\n<div id=\"anim-e182bf5b-8292-458b-9215-1363389f279b\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-e1113879-0593-4530-950d-d7c5dc6b0435\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 100.70606%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-1219df4d-6d3b-4023-9c95-f815b983596e\">\n<div class=\"fill\" style=\"background-color:rgba(0,0,0,0.5);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:2.42718%;top:29.12621%;width:94.41748%;height:17.1521%;opacity:1\">\n<div id=\"anim-24168dce-3295-4133-aea3-1dd18206309b\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-5b909198-ca57-4420-bd83-e7e815379835\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 467.19090%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5141388174807198% 0.5141388174807198% 0.5141388174807198% 0.5141388174807198% \/ 1.8867924528301887% 1.8867924528301887% 1.8867924528301887% 1.8867924528301887%\" id=\"el-ce69acc2-371c-4edc-84c2-a027c7060c94\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.06709511568123419% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.291262em;line-height:1.19;text-align:center;padding:0;color:#000000\"><span><span style=\"color: #fff\">Now that you understand the factors affecting your zero depreciation car insurance premium, ensure you&#8217;re fully protected. Find the best policy for you today on Elephant.in.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:18.08252%;top:48.86731%;width:63.1068%;height:9.2233%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-84c40d92-0cdb-444f-a907-51bf5285565a\">\n<div class=\"fill\" style=\"background-color:#e06e04;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:18.08252%;top:51.61812%;width:63.1068%;height:3.8835%;opacity:1\">\n<div id=\"anim-c15e7f3e-a2c9-4fc8-a031-f1ddd70afb63\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-7c97af0a-d590-4105-8e63-6c6769e8f54b\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 1484.25750%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7692307692307693% 0.7692307692307693% 0.7692307692307693% 0.7692307692307693% \/ 8.333333333333332% 8.333333333333332% 8.333333333333332% 8.333333333333332%\" id=\"el-76c997bf-d2a5-4910-9e1c-a970c50c5a0b\"><a href=\"https:\/\/elephant.in\/motor-insurance\/car-insurance?utm_source=webstories&amp;utm_medium=organic&amp;utm_campaign=car082024&amp;utm_content=8-factors-affect-the-premium-of-your-zero-depreciation-car-insurance7\" data-tooltip-icon=\"https:\/\/elephant.in\/knowledge-center\/wp-content\/uploads\/2021\/09\/cropped-cropped-logo-1-1.png\" data-tooltip-text=\"Car Insurance: Compare &amp; Buy Car Insurance Plans - Elephant.in\" target=\"_blank\" rel=\"noreferrer noopener\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\"><\/p>\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.07307692307692357% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.323625em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #fff\">Buy Car Insurance<\/span><\/span><\/p>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:2.06311%;top:84.95146%;width:95.14563%;height:10.19417%;opacity:1\">\n<div id=\"anim-1111bd58-2392-4cd9-8df3-4e00e937f37a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-0e917721-fcdf-448e-ac49-7fd22d43e0ae\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 238.44805%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.5102040816326531% 0.5102040816326531% 0.5102040816326531% 0.5102040816326531% \/ 3.1746031746031744% 3.1746031746031744% 3.1746031746031744% 3.1746031746031744%\" id=\"el-e4945738-1dd9-48eb-8bbf-ae4031626239\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.03329081632653074% 0;font-family:&quot;Montserrat&quot;,sans-serif;font-size:0.145631em;line-height:1.19;text-align:center;padding:0;color:#000000\"><span><span style=\"color: #fff\">Disclaimer:<\/span><span style=\"text-decoration: underline; color: #fff\"> <\/span><span style=\"color: #fff\">&nbsp;Standard T&amp;C apply. Product information is authentic and solely based on the information received from the Insurer. Insurance is the subject matter of solicitation. Alliance Insurance Brokers Pvt. Ltd. | 8th Floor, Gold Crest, NS Road No. 10, Juhu, Vile Parle (W) Mumbai 400 049, India | Toll Free No.&nbsp;1800 266 9693&nbsp;| Email:&nbsp;support@elephant.in&nbsp;| Composite Broker | CIN: U67200MH2003PTC141621 | IRDAI Registration No. 217 | Valid till 12\/10\/2024 | EL\/MEDIA\/24-25\/60<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zero depreciation car insurance, often referred to as bumper-to-bumper insurance, covers the entire cost of replacing damaged car parts without considering depreciation. Let&#8217;s explore the factors.<\/p>\n","protected":false},"author":1,"featured_media":2865,"template":"","meta":{"web_stories_products":[],"web_stories_publisher_logo":1316,"web_stories_poster":[],"footnotes":""},"web_story_category":[],"web_story_tag":[],"class_list":["post-2849","web-story","type-web-story","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>8 factors affect the premium of your zero depreciation car insurance - blogs<\/title>\n<meta name=\"description\" content=\"Zero depreciation car insurance, often referred to as bumper-to-bumper insurance, covers the entire cost of replacing damaged car parts without considering depreciation. 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