PRIVATE non-life insurer ICICI Lombard General Insurance has introduced two add-on covers — Zero Depreciation and Consumable items — in its motor insurance portfolio. In case of the former, depreciation in auto parts will not be deducted from the claim amount payable to the insured. Other general insurers including Tata-AIG General and Bharti-AXA General Insurance also offer a similar cover. The other add-on promises to ensure that the claim amount is not reduced by the value of consumable items, which would be the case otherwise. This cover includes items such as nut & bolt, screw, grease, lubricant, air-conditioner gas, bearings, engine oil, oil filter, fuel filter and brake oil.
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