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When it comes to protecting your car, a basic insurance policy might not always be enough. While a standard comprehensive car insurance plan provides coverage against accidents, theft, and natural disasters, it often doesn’t account for several real-world situations that can lead to hefty out-of-pocket expenses. That’s where add-on covers come in — optional extensions you can include in your policy for enhanced protection.
Add-ons not only strengthen your policy but also offer financial peace of mind during unforeseen incidents. Here are some must-have add-on covers that every car owner should consider.
1. Zero Depreciation Cover
One of the most popular add-ons, a Zero Depreciation Cover (also called “Bumper-to-Bumper” cover) ensures that you get the full claim amount without factoring in the depreciation of your car’s parts.
Normally, when you file a claim, the insurer deducts the depreciation value of parts like plastic, rubber, and metal. This means you end up paying a portion of the repair bill yourself. But with zero depreciation, the insurer covers the complete cost of replaced parts, leaving you stress-free.
This cover is particularly beneficial for new car owners or those with luxury vehicles, where spare parts and repairs can be expensive.
2. Engine Protection Cover
The car’s engine is its heart — and also one of the most expensive components to repair. Unfortunately, standard insurance doesn’t usually cover engine damage caused by water ingress, oil leakage, or hydrostatic lock.
An Engine Protection Cover takes care of these issues, ensuring that your engine is protected from internal damage. This add-on is especially valuable if you live in a flood-prone area or drive through waterlogged roads during monsoons.
3. Roadside Assistance Cover
Imagine your car breaking down in the middle of nowhere — a flat tire, dead battery, or engine failure. That’s when Roadside Assistance (RSA) becomes your best friend.
With this add-on, you can get immediate help for services like towing, fuel delivery, flat tire change, battery jump-start, or even basic repairs on the spot. Some insurers also offer accommodation or alternative transportation if the breakdown occurs far from home.
For frequent travelers or long-distance drivers, RSA is a must-have convenience and safety feature.
4. Return to Invoice (RTI) Cover
In case your car is stolen or completely damaged beyond repair, insurers typically pay the Insured Declared Value (IDV) — the current market value of your car, which is lower than the purchase price due to depreciation.
However, with a Return to Invoice Cover, you can claim the full invoice value of the car, including registration fees and road taxes. This means you won’t lose money due to depreciation in case of total loss.
This add-on is most beneficial for new cars (less than 3 years old).
5. No Claim Bonus (NCB) Protection Cover
The No Claim Bonus (NCB) is a discount you earn on your premium for not making any claims during a policy year. It can go up to 50% over consecutive claim-free years.
But even a single claim can reset your NCB to zero. With the NCB Protection Cover, you can retain your accumulated bonus even after filing a limited number of claims. It’s a smart choice if you’ve built up a high NCB over time.
6. Consumables Cover
A Consumables Cover includes items like engine oil, nuts, bolts, grease, coolant, and brake oil — small parts that are usually excluded from a standard claim.
During a repair, these consumables can add up to a significant cost. With this add-on, you can rest assured that such minor but essential expenses are covered.
7. Personal Accident Cover for Passengers
While your policy includes a mandatory Personal Accident Cover for the owner-driver, it doesn’t automatically cover passengers. By adding a Passenger PA Cover, you can ensure financial compensation in case of injury or death of passengers during an accident.
This is a thoughtful and responsible add-on for those who frequently travel with family or colleagues.
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Final Thoughts
Add-on covers might slightly increase your premium, but they offer substantial benefits when you need them most. Choosing the right combination of add-ons depends on factors like your car’s age, usage, location, and personal needs.
When buying or renewing your car insurance, take a few extra minutes to explore these add-ons. A small investment today can save you from massive expenses and stress tomorrow.