Can I go for innovative products like - 0% Depreciation, Key Replacement, Emergency Transportation?

[ag35]

I have been hearing that some insurance companies are offering new innovative products like - 0% Depreciation, Key Replacement, Emergency Transportation, No Claim Bonus Protection etc.
1-Can you throw some light on the same?
2-Can I go in for 0% depreciation by paying extra and claim 100% of the cost in case of an accident/damage to my car?

3-Does a vehicle insurance provide any kind of cover to the driver/passengers in case of hospitalization/death?

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