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What is Zero deductible and how does it work. The Zero Deductible Program reimburses a policy holder their insurance policy deductible when a claim is paid by their insurance company. The Zero Deductible policy is a stand- alone annual policy and does not need to run concurrent with the primary policy. Zero deductible works with any auto, home or boat policy issued by any U.S. insurance company. Zero Deductible policies are quoted and issued and renewed off the company e-commerce website www.zerodeductible.com When a policy is purchased online, a e-mail is sent to the buyer with a PDF attached. The PDF is the policy Declarations Page and the Policy Language. A unique password is also provided and the policy holder is encouraged to personalize password for future access and management of their own coverage through the website. Single units or multiple units (a car, a home, a second home) can be insured by one Zero Deductible policy and a multi unit discount of 10% applies to the rating. An additional 10% discount applies to the renewal premium if the first policy term has been loss free. Policies can be managed by the insured and units can be added anytime mid- term on a pro rata basis. Zero Deductible is a deductible reimbursement policy of insurance issued by American Marine Insurance Services, the General Agent granted exclusive authority for the Underwriter, Markel American Insurance Company. Zero Deductible is a filed program currently available in all