The logic fails miserably in the even of total loss since in total loss zero dep and Retrun to invoice dont work. So you will be left with low IDV, self foot on the axe situation. Zero depreciation cover is normally calculated as a % of the OD premium. OD premium depends on the IDV. See the connection. There are many more gullible customers out there, losing one customer doesnt make a difference to them. They are negotiable esp the OD premium part of the total Insurance premium, provided RS is willing to negotiate. So if Mitesh pitts BA quote against RS quote, he might be able to get some discounts, not to the extent BA gives though. Upto Mitesh to take a call here.