The most obvious difference is that a zero depreciation cover promises full settlement coverage; depreciation will not make a dent here. On the other hand, standard comprehensive cover i.e a plan that does not offer zero depreciation will make estimations based on the ‘current value’ of your vehicle. ‘Current value’ factors in the depreciation on your vehicle.
Consequently, if your car is involved in an accident, your standard policy will foot the bill after subtracting for depreciation whereas the policy with zero depreciation will foot the bill regardless of the current value of your car.