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Difference Between Comprehensive Insurance and Bumper-to-Bumper Insurance

By Juhi Walia
18 August 2022, 1:30 PM

We must know the advantages and disadvantages of comprehensive and bumper-to-bumper insurance to evaluate which insurance policy offers the greatest protection. One can choose the finest insurance coverage based on their needs by being knowledgeable about auto insurance plans. The car's front, sides, and rear are all covered by bumper-to-bumper insurance. In addition, vandalism, theft, and fire protection are included in comprehensive coverage. But a bumper-to-bumper cover is an add-on, and you need to buy it along with a comprehensive or standalone own damage policy to get its benefits.

The premium of comprehensive insurance and bumper-to-bumper insurance is added first. The policyholder needs to pay the consolidated amount. In addition, comprehensive insurance is a car insurance that safeguards the driver and the vehicle in an accident, whereas bumper-to-bumper insurance protects you against the vehicle's depreciation. 

Now that you know the basic difference between the two, let's understand each of them thoroughly.

Comprehensive Car Insurance policy

A complete policy provides third-party car insurance coverage and coverage for occurrences like glass damage, vandalism, arson, natural catastrophes, etc. It also protects through add-ons. Among the add-ons, bumper-to-bumper is one. Other add-ons include engine protection cover, key protect cover, NCB protection cover, etc.

From the customer's point of view, comprehensive insurance is profitable. With the bumper-to-bumper add-on cover, the comprehensive policy only sweetens one's experience.

Advantages of Buying Comprehensive Car Insurance

Some of the advantages of buying comprehensive car insurance policy are:

  • It offers your automobile the best level of security.
  • With comprehensive automobile insurance, you may claim damages suffered in an accident.
  • It covers legal costs incurred in litigation, including those filed against you due to an accident.
  • Financial security and mental tranquility.
  • Provides cash assistance if your automobile is declared a total loss.

Bumper-to-Bumper Car Insurance Add-on

Bumper-to-bumper vehicle insurance is another common name for zero depreciation car insurance coverage. It only considers the worth of the body's exterior and ignores the value of the body's inside components.

Read more - Zero Depreciation vs Bumper to Bumper Car Insurance

To benefit from a bumper-to-bumper depreciation policy, take note of the following:

Applicable to New Cars

There is a unique restriction on the age of the automobile; if it is older than the maximum, you won't be eligible for the car insurance add-on. Most bumper-to-bumper plans only apply to new cars.

Number of Permitted Claims

Please carefully study the policy details, which vary depending on the insurance carrier, as a maximum of two bumper-to-bumper insurance claims are permitted during the policy term.  

When Should I Opt for Bumper-to-Bumper Insurance?

These are the circumstances that need you to get bumper-to-bumper auto insurance.

  • If your vehicle is new.
  • If you require complete repair cost reimbursement.
  • If you have a luxury or premium vehicle
  • If you're worried about your car's little dings.
  • If you reside in a region prone to accidents.
  • If you have only recently begun learning to drive.
  • If the auto components are pricey.

Advantages of Bumper-to-Bumper Car Insurance Add-on

Nil depreciation, bumper-to-bumper coverage, or zero depreciation all refer to covering the depreciation of the vehicle.

It simply implies that no depreciation amount is deducted from the coverage of wear and tear of any body parts of your automobile or bike if it sustains damage after an accident.

  • The insurance provider will pay you 100% of the total cost of the physical component that must be repaired or replaced (of course, less applicable deductibles).
  • As a result, we can see that it is impossible to directly compare comprehensive insurance to zero depreciation because the latter is a supplement to the former that covers you against a wide range of incidents.

Read more - Bumper to Bumper Insurance Policy for Your Car

Let's Sum Up the Differences between Bumper-to-Bumper and Comprehensive Insurance

Here are the differences between bumper-to-bumper and comprehensive insurance:

Depreciation was one of the restrictions of comprehensive auto insurance. It is the gradual decline in asset value brought on by use over time. In the event of a comprehensive auto insurance claim, depreciation is taken into account, and the insured is given payment after a deduction of depreciation. The insured client is responsible for paying the balance, which represents the depreciated value of the damaged components.

The bumper-to-bumper policy pays almost the whole car insurance claim value incurred by the insured due to an accident. However, this cover applies to rubber, plastic, nylon, fibre parts, etc.


Unexpected events may result in damage to your vehicle. Although the comprehensive insurance plan offers protection against such obligations, the coverage is not exhaustive. The primary plan's coverage might not be adequate since there are deductions for the components' depreciation. To acquire maximum coverage, you are advised to buy the best comprehensive car insurance policy and add a bumper-to-bumper add-on over the former.


1. What is comprehensive car insurance?

A comprehensive policy includes third-party coverage in addition to coverage for events like glass damage, arson or vandalism, natural catastrophes, riot damage, etc. However, you need to examine the terms and inclusions as specified in the contract. To provide a more wholesome coverage, you may need to get additional coverage in the form of zero dep riders, engine protection, collision insurance, or medical claim riders in this case.

2. What does bumper-to-bumper car insurance not cover?

Except for the glasses, engine, batteries, tyres, and tubes, all items are protected by the bumper-to-bumper insurance plan. It is offered in addition to the basic policy.

3. Does comprehensive insurance offer full coverage?

Comprehensive coverage covers third-party claims and damage to the automobile resulting from collisions, theft, natural disasters, accidents resulting in physical injury or death, etc.

4. After five years, is bumper-to-bumper insurance still available?

Because a car's depreciation is strongly correlated with its age and usage, the older the automobile, the more you will have to pay for its bumper-to-bumper protection. It is essential to remember that bumper-to-bumper insurance cannot cover vehicles older than five years. A few policies can cover vehicles aged above five years. So, search those policies online if your vehicle is more than five years old and you seek a zero depreciation cover.

5. How many times can we use our bumper-to-bumper insurance add-on?

With bumper-to-bumper vehicle insurance coverage, the insurer often only permits two claims throughout the policy term. This varies from insurer to insurer, though. So, check the terms and conditions thoroughly.

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