Added to the high power figures 43PS vs 35PS and high compression ratio in the Duke vs Dominar.
There is lot more chances for coolant mixing in Duke and head to give way much sooner when compared to it's brother from another mother. Same with the oil blow back into Airbox.
And yes to answer the second part, if claim amounting less than IDV then both will be same whether you have high/low IDV with zero-dep.
P.S. With my personal experience, suggestion please switch to some private insurance provider than a public sector insurance like (New India, United India, Oriental) to something like (IFFKO, ICICI, HDFC ERGO, Barathi AXA, TATA AIG etc etc), reason being they are much simpler to deal with compared to the lazy old public sector based companies, claims will be settled quicker without much haggle, also they have well designed easy to navigate fancy websites to track claims and 24x7 BPO support when compared to the former.




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