Guys, I have a question for you. My punto is in it's 6th year. Sept 14 it's completing 5 years. So while renewing the insurance out of curiosity i checked if i can still get ZERO DEP policy. Royal Sunduram, Bharti Axa declined it saying zero dep can be given if car's age is less than 5 years only. Where as TATA-AIG is ready to issue Bumper to Bumper, Zero dep policy. Also, my current insurance company Bajaj Allianz is also ready to offer zero dep. I also received call from TATA-AIG Mumbai office saying. Please do not go for the policy which the online agent is offering. As, the quote issued by an agent is wrong and i am not eligible for zero dep. So, in case of any cliam in future it may go in dispute. Now, my question is should I go ahead with zero dep?? There is so much confusion over if it is really allowed or not. Can anyone help?