Car Insurance Addon covers

Car insurance add-ons, also known as riders, provide additional coverage over and above the standard policy. These optional extras can be tailored to meet specific needs and offer benefits,

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What is Car Insurance Add-ons?

In India, car insurance policies offer various add-ons to enhance coverage and provide additional protection. These add-ons are optional covers that can be purchased along with a basic policy, and they can help to meet specific needs and provide peace of mind.These add-ons offer specific benefits and can help tailor the policy to an individual’s needs.

Types Of Add-ons Covers

There are various types of add-ons covers in car insurance, some of the common ones are:

• NCB Protection Cover

  The No-Claim Bonus Protection add-on protects the policyholder’s no-claim bonus in the event of a claim. The no-claim bonus is a discount that is applied to the policy premium for each year that the policyholder does not make a claim. The No-Claim Bonus Protection add-on ensures that the policyholder will still receive the discount even if they make a claim, which can help to keep the policy premium affordable.

• Zero Depreciation cover

  The Zero Depreciation cover is an add-on that offers coverage for the cost of repairing or replacing parts of the car without taking into account the depreciation value. In the event of an accident, the policyholder will receive the full cost of the repairs without any deduction for depreciation. This add-on is particularly useful for new cars or cars with expensive parts, as it can help to minimize the cost of repairs and reduce the financial impact of an accident.

• Roadside Assistance Cover

  The Roadside Assistance add-on provides coverage for services such as towing, jump-starting a battery, changing a flat tire, and more. In the event of a breakdown, the policyholder can call the insurance company for assistance, and the cost of the services will be covered by the policy. This add-on is particularly useful for drivers who travel frequently or who are concerned about the potential cost of a breakdown.

• Key Replacement Cover

  Key Replacement Cover in car insurance is an optional add-on that provides coverage for the cost of replacing lost or damaged car keys. This coverage can be particularly useful if an individual loses their car keys or if the keys are stolen, damaged, or become inoperable. Key replacement cover can help to pay for the cost of a locksmith to replace the keys or for a replacement set of keys from the car manufacturer. This coverage can provide peace of mind and help to reduce the financial burden associated with replacing lost or damaged car keys.

• Personal Accident Cover

  The Personal Accident cover provides coverage for personal injuries sustained in a car accident. The policyholder will receive a pre-determined sum of money in the event of a covered accident, regardless of who is at fault. This add-on is particularly useful for drivers who are concerned about the financial impact of an accident, and it can help to cover medical expenses and lost wages.

• Engine Protection Cover

  The Engine Protector add-on covers the cost of repairing or replacing the engine in the event of damage due to an accident or natural calamities such as floods or earthquakes. This add-on is especially useful for high-performance cars with expensive engines, as it can help to reduce the financial impact of an engine failure.

• Passenger Cover

  The Passenger Cover add-on provides coverage for passengers in the car in case of an accident. The policyholder can select the amount of coverage they want for each passenger, and the coverage can help cover medical expenses and lost wages.