What is an Add-On Cover in Car Insurance?

What is Covers: With this add-on, you pay for a set number of kilometres, known as the Limit Sure option. If needed, you can buy extra kilometres or even carry forward unused ones.

Benefits: This add-on is cost-effective for low-mileage drivers. It ensures you only pay for what you use, making it an economical and flexible option.

What it Covers: A zero depreciation cover offers coverage for the complete cost of all parts, including plastic, rubber and metal, which would normally be subject to depreciation. It ensures that your vehicle's value remains intact, especially when parts are replaced after an accident.

Benefits: With this add-on insurance for your car, you will need to pay for depreciation on parts, which can save you significant money during repairs. It is particularly beneficial for keeping your car's overall value high after damages and replacements.

What it Covers: These auto insurance add-ons cover engine repairs and replacements due to issues like water damage during floods or internal oil leaks. This protection is important, especially in areas prone to flooding or where the engine is more susceptible to damage

Benefits: This add-on saves you from bearing the high costs of engine repairs, which can otherwise lead to substantial financial strain. It ensures that your car's engine stays protected, providing peace of mind and reducing unexpected expenses.

What it Covers: Return-to-Invoice or RTI in car insurance add-on cover reimburses the original invoice value of your car if it is declared a total loss due to theft or severe damage. This means you receive the amount you paid when purchasing the car rather than just the depreciated Insured Declared Value (IDV).

Benefits: With these add-ons in car insurance, you are fully compensated for the actual purchase price of your car, ensuring minimal financial loss. It is particularly helpful for newer vehicles where the difference between the IDV and the actual purchase price is significant.

What it Covers: If your car is in the garage for more than 21 days for repairs, this add-on covers the cost of your monthly EMIs during that time. It provides much-needed financial relief in case your car is out of use for an extended period.

Benefits: This add-on pays EMIs when your car is undergoing repairs. It helps prevent financial stress during long repair periods and ensures you do not fall behind on loan payments.

What it Covers: It covers up to two claims within the policy term, letting you keep your NCB intact. This means that even after filing a claim, you will not lose the discount you have earned over time.

Benefits: This add-on in car insurance ensures that your NCB discount remains unaffected, so you continue to enjoy lower premiums even after making claims. It is a valuable benefit, helping you save money on future renewals by retaining your bonus.

What it Covers: It provides a fixed daily amount to cover your transportation needs for a certain number of days when your vehicle is in the garage. This amount helps you manage daily commuting expenses while your car is unavailable.

Benefits: It saves you from paying out of pocket for transportation while your car is being repaired, ensuring minimal inconvenience. The add-on helps ease the stress of having your car in the garage by covering alternate transport costs.

What it Covers: This motor insurance add-on offers coverage for medical expenses, disability, or death compensation for passengers injured in an accident. It ensures that passengers receive the necessary financial support for medical care or compensation in case of a tragic event.

Benefits: Passenger Cover provides peace of mind, knowing that everyone in the vehicle is protected, not just the driver. It adds an extra layer of security, ensuring that your loved ones or passengers are cared for in case of an accident. Hence, this is one of the most crucial car insurance add-ons.

What it Covers: This is one of the most popular motor insurance add-ons and this includes services such as towing, fuel delivery, flat tyre changes, battery jump-starts and even help with keys if you are locked out of your car. Additionally, in severe cases, this add-on covers accommodation costs if you are stuck far from home.

Benefits: It offers peace of mind, knowing that help is always just a phone call away, minimising the stress of unexpected breakdowns. This add-on cover in motor insurance ensures you are never left stranded on the road, providing both safety and convenience in emergencies.

What it Covers: The car key lost insurance covers the cost of replacing car keys, and, if necessary, changing the locks. It also includes expenses for cutting new keys, ensuring that all key-related issues are fully taken care of.

Benefits: You will not have to worry about the unexpected cost of replacing high-tech keys, which can be quite expensive. These add-on covers in motor insurance save you from the hassle and cost of key replacement, ensuring your car's security is maintained.

What it Covers: It includes the repair or replacement costs for rims damaged by accidents or wear and tear. The cover ensures that your vehicle's aesthetics and functionality remain intact without high out-of-pocket costs.

Benefits: You can keep your car's rims in top condition without worrying about the high costs associated with repairing or replacing them. This add-on ensures that your vehicle maintains both its looks and performance, providing financial protection for rim-related damages.

What it Covers: It covers the costs of tyre repairs or replacements due to accidental damage, punctures, or general wear and tear. This ensures that your tyres are in optimal condition, providing safe and reliable driving.

Benefits: This add-on ensures that your car's tyres are well-maintained, minimising the risk of road accidents due to poor tyre condition. It offers financial protection for unexpected tyre damages, keeping your vehicle safe and road-ready.

What it Covers: It covers consumables in car insurance required during repairs, including items like screws, oil and coolants. These often-overlooked expenses can add up, and this add-on ensures they are fully covered.

Benefits: This add-on ensures you are not burdened with the small but necessary costs of consumables after an accident. It provides peace of mind, knowing that even the smallest repair expenses will be taken care of.

What it Covers: It covers the theft or loss of personal belongings such as laptops, smartphones and other valuables stored in a car. The reimbursement amount is subject to a specified limit, ensuring you recover the value of your lost items.

Benefits: This add-on gives you peace of mind, knowing that your valuable belongings are protected even if they are stolen from your car. It provides financial compensation, helping you recover quickly from theft or loss.

What it Covers: It covers your vehicle while driving in countries like Pakistan, Nepal and Bangladesh, as well as during sea and air travel. This ensures that your car is protected even when you are outside Indian territory.

Benefits: This add-on offers the convenience of extended coverage when driving abroad, eliminating the need to worry about local insurance rules. It ensures that your car is safeguarded wherever you travel, providing peace of mind during international journeys.

What it Covers: It covers any electrical accessories such as speakers, stereo systems or GPS devices that you have added to your vehicle. If these items are damaged in an accident or stolen, this add-on takes care of their repair or replacement.

Benefits: This add-on ensures your expensive electrical enhancements are protected, so you do not have to bear the high cost of repairs or replacements. It safeguards your investment in custom tech accessories, keeping your vehicle functional and enjoyable.

What it Covers: It covers the repair or replacement of non-electrical components, including custom seat upholstery, alloy wheels and other visual enhancements. Whether damaged in an accident or stolen, these accessories are protected under this add-on.

Benefits: With this coverage, you can rest assured that your vehicle's aesthetic or functional upgrades are financially protected. It keeps your modifications safe and ensures your car's appearance remains intact without costing you extra.

What it Covers: It covers hotel costs if your car becomes unusable and you are stranded more than 200 kilometres away from your registered address. This is particularly helpful during long trips or when your car faces significant repair delays.

Benefits: This add-on ensures you have a safe and comfortable place to stay during unexpected vehicle breakdowns. It removes the worry of finding accommodation while ensuring you do not have to pay out-of-pocket in stressful situations.