Used Car Insurance

Popularly known as Bumper to Bumper, this add-on is particularly beneficial for used cars, where parts have already depreciated in value. It ensures that in the event of a claim, repairs or replacements are covered in full without factoring in depreciation. It covers up to two claims per year, helping you avoid unexpected out-of-pocket costs for older parts. 

If you don’t drive your used car much, this lets you pay a lower premium based on actual usage. You can select a distance slab like 2,500–10,500 km/year* based on your usage, with the flexibility to top up if needed. It’s perfect for second-hand car owners who use their vehicle occasionally or as a backup.  

This cover helps you get back the full amount you paid for your second-hand car if it’s stolen or badly damaged. Instead of just the reduced IDV, you receive the full invoice value, including taxes and registration. It’s a smart add-on if you bought a certified or refurbished car from a dealer.

Used cars may already have hidden wear and tear on vital components like the engine and gearbox. This add-on covers repair or replacement costs arising from oil leakage, hydrostatic lock, water damage or mechanical failure. It’s especially useful if your car is no longer under the manufacturer's warranty.

Second-hand cars often come with moderately worn tyres, which are more likely to suffer damage. This add-on covers repair or replacement expenses caused by cuts, bursts, bulges or accidental road impact. It ensures you don’t have to pay out-of-pocket for new tyres, especially if yours weren’t recently changed.

Lost, stolen or damaged car keys, especially smart keys, can be costly to replace. This cover includes the cost of key duplication, reprogramming, lockset repair and labour. If you didn't receive a spare key or if your car uses remote locking, this add-on becomes particularly important. 

During any major repair, small items like brake oil, nuts, bolts, lubricants and filters often need replacement. These consumables are typically not covered under basic insurance plans. This add-on takes care of such expenses, which make up for a major part of the total repair bill. 

Used car rims may already show signs of usage, making them more prone to cracks, dents or bending. This add-on covers repair or replacement of up to four rims damaged due to potholes, curb hits or minor collisions. It's ideal for vehicles with expensive alloy wheels. 

Older cars are more likely to break down without warning, especially on long drives. This cover provides round-the-clock support with towing, battery jump-starts, fuel delivery, flat tyre help and minor mechanical fixes. It’s a practical safety net if your car doesn’t have active manufacturer support.

If your car is broken into or involved in an accident, valuable items like your phone or laptop can be lost or damaged. This add-on reimburses you for such losses up to a defined limit. It’s useful if you often carry personal gadgets or work-related items in your car.   

When your car is in the workshop for more than 3 days* after an accident, daily transport becomes a hassle. This cover gives you a fixed daily amount for a set number of days to help with travel costs like cabs or public transport. 

If your car is under a loan and goes into the garage for a long repair, this add-on helps ease the financial strain. It covers up to 3 EMIs* for the selected duration, ensuring your loan payments continue even when your car isn’t drivable due to an insured event. 

Replacing batteries in electric vehicles can cost a fortune, especially when bought second-hand. This cover protects against damage from water, power surges, short circuits or collisions. It’s especially helpful for EVs no longer under warranty, helping you avoid high repair bills.

Motors in a second-hand EV may already have wear from previous use. This add-on covers internal motor issues like coolant leaks, overheating or short circuits. It ensures the core of your EV is protected from repair costs that aren’t part of standard insurance.

If your used electric car came with a home charger, repairing or replacing it can be expensive. This add-on protects your EV charging unit from theft, damage due to natural disasters, animal bites or fire. 

With every claim-free year, you earn a No Claim Bonus (NCB). This reduces your renewal premium, but the percentage can go back to zero if you make a claim. The NCB Retention Cover ensures your NCB stays intact even after you make a minor claim. It's a good way to maintain your discount and save money on future premiums.

If your used car has additional accessories like a music system, reverse camera or a GPS unit, they might not be covered under standard insurance. This add-on protects those extra electrical accessories from damage, theft or breakdown, ensuring you're covered beyond the basic car setup.

Many used cars come with custom touches like alloy wheels, CNG kits, roof rails or leather seat covers. This add-on covers damage or loss of such non-electrical accessories. It’s a must-have if you've invested in personalising your car beyond the standard fittings.

If you are the kind to enjoy road trips across the border, this add-on is for you. It extends your coverage to certain neighbouring countries approved in the policy. So you stay insured even beyond Indian borders.