Hello friends, today we are going to talk about add-ons in car insurance. If you have read my previous information, then I told about first party insurance and third party insurance. But do you know how much better the add-ons available with car insurance can make your policy? Let’s know in detail.
What are add-ons?
Add-ons are also called riders or extra covers. These are additional features that you get by paying extra money with your basic insurance policy. Taking add-ons gives additional protection to your vehicle and you can be saved from many problems.
Main add-ons available in car insurance
1. Zero Depreciation Cover (Bumper to Bumper)
This is the most popular add-on. If your vehicle has an accident, then the insurance company gives you the full repair amount, without any deduction.
Benefits:
- You get full money for all plastic, rubber and metal parts.
- Most beneficial for new vehicles between 3 to 5 years.
2. Roadside Assistance Cover
If your vehicle breaks down on the way, then this add-on is very useful. In this, the company sends a mechanic to fix your vehicle or provides towing facility.
Benefits:
- Tire puncture repair
- Battery problem
- Help in case of fuel running out
3. Engine Protection Cover
This add-on covers the damage caused by water filling in the engine or oil leakage. This is especially important in areas where there is heavy rainfall.
Benefits:
- Cost of expensive engine repairs
- Protection in case of hydrostatic lock
4. No Claim Bonus Protector
If you have not made any claim in a year, then you get a discount on the insurance premium next year. But if you have taken this add-on, then you can avail the discount even after making a claim.
Benefits:
- Premium discount from 20% to 50%
- The discount is not affected if you claim minor repairs
5. Key Replacement Cover
If your car key is lost or stolen, then this add-on covers the cost of changing the lock and key.
Benefits:
- Cost of new key
- Cost of lock replacement
6. Consumables Cover
This add-on covers the cost of small parts used in repairing the vehicle like engine oil, brake oil, nut-bolt, grease etc.
Benefits:
- The cost of small parts is also covered
- Full repair amount is received at the time of accident
7. Invoice Price Cover
If your vehicle is stolen or completely damaged, then the insurance company returns you the actual on-road price of the vehicle.
Benefits:
- Compensation for the full cost of the vehicle
- RTO registration and insurance premium expenses are also included
8. Daily Allowance Cover
If your vehicle is in the workshop for repair and you have to rent another vehicle, then the company gives you the amount of rent for each day.
Benefits:
- Per day allowance for 10-15 days
- Relief from travel hassles
9. Personal Accident Cover
This add-on gives a fixed amount to the nominee in case of death or serious injury of the owner or driver of the vehicle.
Benefits:
- Protection for both owner and passenger
- Cover up to Rs 15 lakh
Why are add-ons in car insurance necessary?
Add-ons make your basic insurance policy stronger. If you want complete protection of your vehicle, then add-ons must be taken. These reduce your expenses in difficult times and give you mental peace.
Also Check: Car Insurance Explained: A Simple Guide for Beginners (2025)
Which add-ons should be taken?
If your vehicle is new then you must take these add-ons:
- Zero Depreciation Cover
- Roadside Assistance
- Engine Protection Cover
- Invoice Price Cover
If your vehicle is old then you can take No Claim Bonus Protector and Key Replacement Cover.
Conclusion
Friends, add-ons make your car insurance policy even better. They give you financial protection in unwanted situations. If you want to take add-ons in car insurance, then choose the right add-ons according to your needs.
If you have any questions in your mind, then definitely tell us in the comment. We will answer all your questions.
Thank you!
