What is the difference between Comprehensive and Bumper to Bumper Insurance?

7 MIN • LAST EDITED BY ANOOP MENON ON APRIL 24, 2025.
Fi.money
Written by Anoop Menon on APRIL 24, 2024.
LinkedInX
Table of contents
  1. What does Comprehensive Insurance mean?
  2. When should you choose comprehensive insurance?
  3. What is bumper to bumper insurance?
  4. When should you choose bumper to bumper insurance?
  5. Difference between Comprehensive and Bumper to Bumper Insurance
  6. Comprehensive vs Bumper to Bumper Insurance -  which is better?
  7. In conclusion
  8. Frequently Asked Questions

A car insurance in India comes either in the form of third-party insurance or comprehensive insurance (which covers both third-party and own damage insurance). But there’s another: bumper-to-bumper car insurance. What's the difference between comprehensive and bumper to bumper insurance? Let’s find out.

What does Comprehensive Insurance mean?

Probably, the best insurance coverage for your car is a comprehensive vehicle plan. In addition to taking care of third-party responsibilities, it also covers any own damage or loss caused to your vehicle. More coverage can be added to this plan by purchasing add-ons like engine protection, personal accident cover, etc., which is unavailable when you have only third-party liability insurance .

You can also claim damages caused due to explosions, fire, vandalism, riots, floods, storms, cyclones, etc.

When should you choose comprehensive insurance?

People who require larger car insurance coverage and those who require financial protection in the event of vehicle damage can choose this plan. The Comprehensive Insurance Plan's coverage features are listed below:

  • A result of an accident damages
  • Natural catastrophes' damages (cyclones, floods, storms, etc.)
  • Vehicle theft
  • Damages brought on by man-made disasters
  • Damage caused by a fire or explosion
  • Damage that cannot be repaired (total loss)
  • Liabilities to third parties for injuries, fatalities, or property damage

What is bumper to bumper insurance?

Bumper-to-bumper car insurance is an add-on cover to comprehensive insurance, meaning nil depreciation or zero dep insurance plan. It offers full coverage for your vehicle. In this case, depreciation is also not considered if there is any claim, and your car is considered brand new.

This means — even if your vehicle is damaged, stolen, or destroyed beyond economical repair, you will still receive the full amount insured under your car insurance policy for your vehicle, with no depreciated cost deductions.

When should you choose bumper to bumper insurance?

Comprehensive car insurance coverage does not cover a vehicle's everyday wear and tear. As a result, the insurance will not fully compensate you for the damage to your car while claiming any damage. A comprehensive insurance policy excludes coverage for subsequent harm.

Below are the reasons ‌you must choose a bumper to bumper insurance:

  • If you have recently purchased a car/ bike that is less than 3 to 5 years old
  • If you have a high-end model car with expensive parts
  • If you are a learner, you must choose
  • If you are looking for higher coverage and low out-of-pocket expenses
  • If accidents are not a rare thing for you and minor dents & scratches also bother you
  • If you want to eliminate the effect of depreciation on your vehicle insurance claim.

Difference between Comprehensive and Bumper to Bumper Insurance

Look at this table to understand the differences between Comprehensive and Bumper to Bumper Insurance:

Comprehensive vs Bumper to Bumper Insurance -  which is better?

The comprehensive plan covers third-party liability and damages to the insured car, including theft, i.e. irreparable harm. Additionally, you have the choice to merge pertinent add-ons to lessen the impact of financial treatment. Thus, it is a much better option than third-party liability-only insurance.

Often referred to as a "complete" plan, comprehensive insurance does not provide coverage for various incidents:

  • For the depreciation of the vehicle and its components
  • For typical wear and tear of vehicle components
  • For damages to tyres & tubes — however, the insurer will cover 50% of the replacement cost (if the car is also destroyed at the same moment).

Now let's discuss bumper to bumper insurance. Remember:

  • Purchasing the add-on would be slightly more expensive and may cost you around 15% to 20% more than your regular premium.
  • You'll be able to make only up to 2 zero-dep claims in a year, depending on your insurer's policy.
  • This add-on is offered by companies based on the condition of your bike/ car. The coverage is available for vehicles up to 3 or 5 years old.

Despite these limitations, a zero depreciation cover has benefits in the long run. To give you an idea of how much loss depreciation can cost you, here is the table of vehicle value depreciation with time.

In conclusion

Unexpected events may result in damage to your vehicle. Although the comprehensive insurance policy offers protection against such obligations, the coverage is not 100%. A large amount of depreciation is charged to your vehicle every time you make a claim.

On the other hand, bumper to bumper insurance helps you save big as your vehicle doesn’t bear the depreciation loss. This add-on enhances the overall protection to protect the vehicle (100% coverage with no depreciation). Weigh the pros and cons and choose the most appropriate vehicle insurance plan.

Frequently Asked Questions

1. What is better comprehensive or collision?

Comprehensive coverage pays for theft or damage from events like severe weather, fire, or falling trees. In contrast, collision insurance covers damage to your car if you collide with an object or vehicle.

2. Is it worth having fully comprehensive insurance on an old car?

If you use your car regularly, then you must have a comprehensive cover because an accident can happen anytime, anywhere. Also, an outdated car's poor performance can result in an accident. Car insurance coverage will be helpful for the vehicle owner in such a situation.

3. What deductible should I choose for comprehensive?

To keep your premium amount lower, you may choose a high deductible comprehensive plan for your older vehicle with a low value. Alternatively, you might want to select a lower deductible if you reside in a region where auto accidents, animal-vehicle collisions, and natural catastrophes are frequent in order to reduce out-of-pocket expenses.

4. What is not covered by bumper-to-bumper car insurance?

A bumper-to-bumper car insurance cover provides financial protection for all metals, fibre, and rubber components of the vehicle. It doesn’t include harm to Engine and Gearbox issues caused by water ingression or oil leaks.

5. What is bumper to bumper in insurance?

Bumper-to-bumper car insurance is an add-on cover to comprehensive insurance, meaning nil depreciation or zero dep insurance plan. It offers full coverage for your vehicle. In this case, depreciation is also not considered if there is any claim, and your car is considered brand new. This means — even if your vehicle is damaged, stolen, or destroyed beyond economical repair, you will still receive the full amount insured under your car insurance policy for your vehicle, with no depreciated cost deductions.

6. Is it good to take bumper to bumper insurance?

Having a bumper to bumper insurance ensures that you can claim full compensation for any car damage.

Send it to someone who might find it helpful
Know more. All that you'll ever need to learn.
Scan QR to get the Fi app
Your Privacy.
Minus the jargon.
arrow
No Hidden
Fees!
arrow
Join the
team.
arrow
Fi logo
Pronounced  Fī(-ē) and sounds like
volume
hi
Greeting emoji
sky
Sky emoji
tie
Tie emoji
fly
Fly emoji
Contact Fi Money customer care
In-app chat
instagram
twitter
linkedin
Disclaimer: You may have noticed some brand logos used on this website to indicate where you, as a user, may or may not have spent money. We don’t endorse these brands. Nor do these brands endorse us. The logos of the specific brands are owned by them.

Products on our platform

Details

Unified Payments Interface (UPI)

Epifi Technologies Pvt. Ltd ('Epifi Tech') is a Third-Party App Provider ('TPAP') - and acts as a service provider and participates in UPI through a Payment Service Provider ('PSP') Bank (Federal Bank).

Savings Account and Deposits

Federal Bank offers savings account, fixed deposits and smart deposits to users on the Fi App (through Epifi Tech). Users' savings account and deposits are securely opened with Federal Bank.

Epifi Tech itself is not a bank and doesn't hold or claim to have a banking license.

Cards

Fi Brand Pvt. Ltd. markets and distributes co-branded cards in partnership with Federal Bank and Visa. Cards are issued by Federal Bank.

Loans

Epifi Tech facilitates loan distribution and acts as a lending service provider and/or digital lending application for various Banks, registered NBFCs and NBFC-P2P ('Lenders') List of Lenders.

Epifi Tech only provides a platform that enables you to avail instant loans. Epifi Tech is not a lender; neither does it represent to be a lender in its own capacity. The Lenders provide you personal loans as per their policies

Mutual Funds

Epifi Wealth Pvt. Ltd. ('Epifi Wealth') is a registered investment adviser and provides a platform for mutual funds investment. Epifi Wealth has partnered with MFCentral to provide mutual funds analyser to users.

Loans Against Mutual Funds

Epifi Tech in partnership with regulated entities including Epifi Wealth and Bajaj Finserv provides a platform for loans against mutual funds.

Bajaj Finserv is a registered NBFC and provides loans as per their policies.

US Stocks

Epifi Tech has partnered with US stock broker Alpaca Securities LLC to provide users the option to invest in US stocks.

Connected Accounts

Epifi Wealth (as a financial information user), in partnership with Finvu and Onemoney, provides users the option to link their existing financial accounts on Fi.

Credit Analyser

Epifi Tech (as a non-specified user) in partnership with Experian and CIBIL provides insights on users' credit scores

Fi-Coins

Fi-Coins are earned under a reward programme for engaging with products and services on the Fi App.

Fi Store

Fi-Coins can be redeemed on products and services listed on Fi Store such as merchandise, gift cards, air miles, among other things.

Insights

1. Net Worth: Helps users get a view of their financial Net Worth — in accordance with their assets & liabilities

2. Wealth Maximiser: Analyses your finances, shares financial reports to make informed money decisions

These products are governed by our Terms and ConditionsPrivacy Policy, and any other product and partner specific terms and conditions as communicated to you.

©epiFi Technologies Pvt. Ltd. 2025

Fi is a money management platform that offers the perfect solution for all your financial needs. The Federal Bank Savings Account offered through Fi is an online savings account that you can open in 3 minutes! It goes beyond online account opening, as it has helped reimagine the banking experience in India

Through Fi, you can do more: apply for an instant personal loan, pick from many types of Mutual Funds, select the best SIP to invest in US Stocks, apply for a forex-free Debit Card (works for select account plans) to use while travelling abroad, analyse/improve their portfolio, get a 360-degree view of your spend insights and take steps building wealth.

You can also utilise Fi's free personal loan resources, such as the Personal Loan and EMI calculator, before proceeding to the quick loan application process. All of this is why over 35 lakh Indians feel that Fi is the only financial app you will ever need.