List of Top Car Insurance Add-on Covers

1 Zero Depreciation Cover

Normally, when your car is damaged, insurance only covers the depreciated value of parts. Zero Depreciation Cover ensures you get the full cost of replacement parts without any deduction for depreciation.

Benefits:

• It covers the full cost of replacement parts for damage.
• It reduces out-of-pocket expenses during repairs.
• It is ideal for new cars because it helps maintain repair quality with original parts.

2 No Claim Bonus (NCB) Protection Cover

No Claim Bonus is a discount you earn on your insurance for not making any claims in a year. This cover protects your NCB even if you make a small claim, so your future premium discount is not lost.

Benefits:

• It retains your discount on the next year’s insurance premium.
• It reduces financial impact after making a claim.
• It encourages safe driving without worrying about losing NCB.

3 Engine Protection Cover

This cover protects your car’s engine from damage caused by accidents, water, or mechanical failure. It helps reduce the cost of repairs if the engine is damaged unexpectedly.

Benefits:

• It covers major engine repairs due to accidents or water damage.
• It saves you from high repair bills.
• It gives peace of mind while driving in challenging conditions.

4 Roadside Assistance Cover

This cover provides help if your car breaks down on the road. It includes services like towing, battery jump-start, and minor repairs at your location.

Benefits:

• It offers 24/7 help if your car breaks down.
• It gives free towing to nearby service centers.
• It offers quick assistance for flat tires, battery issues, or fuel problems.

5 Return to Invoice (RTI) Cover

If your car is stolen or completely damaged, RTI cover ensures you get the original purchase price of your car, not just its current market value.

Benefits:

• It covers the full invoice price of your car.
• It protects your investment in case of theft or total loss.
• It reduces financial stress during major accidents or theft.

6 Daily Allowance Cover

This cover gives you a daily allowance if your car is under repair due to an accident, helping you manage alternative travel expenses.

Benefits:

• It helps cover cab or rental expenses while your car is repaired.
• It reduces the inconvenience of being without your car.
• It provides financial support during the repair period.

7 Passenger Cover

This cover protects passengers in your car if they are injured in an accident. Medical expenses for passengers are covered.

Benefits:

• It covers the medical expenses of passengers.
• It provides safety assurance for family and friends.
• It reduces the financial burden in case of injuries.

8 Consumables Cover

This cover pays for consumable items like engine oil, nuts, bolts, and other minor parts used during car repairs.

Benefits:

• It covers small repair costs that standard insurance ignores.
• It saves money on consumables during repairs.
• It ensures complete repair without extra expenses.

9 Tyre Protection Cover

This cover protects your car’s tyres against accidental damage such as cuts, bursts, or road accidents.

Benefits:

• It covers accidental damage to tyres.
• It reduces out-of-pocket expenses for tyre replacement.
• It provides peace of mind on long drives.

10 Key Replacement Cover

This cover helps replace your car keys if they are lost, stolen, or damaged, including smart keys and locksmith charges.

Benefits:

• It covers the cost of lost or stolen keys.
• It includes replacement of smart keys or key fobs.
• It reduces hassle during emergencies.

11 Loss of Personal Belongings Cover

This cover protects personal items inside your car, such as laptops, phones, or bags, in case of theft or damage.

Benefits:

• It covers theft or damage of personal belongings.
• It reduces financial loss from stolen items.
• It gives peace of mind while traveling with valuables.

12 Personal Accident Cover (Owner-Driver)

This cover provides compensation if the car owner or driver is injured or dies in an accident while driving the insured vehicle.

Benefits:

• It provides financial support in case of injury or death.
• It covers medical expenses or loss of income.
• It ensures safety for the car owner.

13 Personal Accident Cover for Passengers

This cover provides financial protection to passengers traveling in your car in case of accidental injury or death.

Benefits:

• It covers accidental injury or death of passengers.
• It provides financial support during emergencies.
• It ensures peace of mind for everyone in the car.

14 Outstation Emergency Cover

This cover provides assistance when your car faces an emergency while traveling outside your city.

Benefits:

• It provides emergency support during outstation trips.
• It covers towing or minor repairs in unknown locations.
• It reduces travel stress.

15 Pay-As-You-Drive Cover

This cover allows you to pay insurance premiums based on how much you drive, making it ideal for low-usage vehicles.

Benefits:

• It offers lower premiums for low-mileage drivers.
• It charges only for the distance you drive.
• It is a flexible and cost-effective insurance option.

1 Battery Protection Cover

This cover protects your electric car battery. If the battery is damaged due to an accident, water, fire, or an electrical issue, the insurance helps cover repair or replacement costs.

Benefits:

• It covers the repair or replacement of the EV battery.
• It protects against damage caused by accidents or water.
• It saves you from high battery replacement costs.

2 EV Charger Cover / Electrical Surge Secure

This cover protects your EV charger. If the charger is damaged due to a power surge, short circuit, or voltage fluctuation, the insurance covers the repair or replacement cost.

Benefits:

• It covers damage caused by electrical surges or power fluctuations.
• It protects home or portable EV charging equipment.
• It reduces the repair or replacement expenses of the charger.

3 Electric Motor Protect Cover

This cover protects the electric motor of your electric vehicle. If the motor is damaged due to an accident, water, or electrical failure, the insurance helps pay for repairs.

Benefits:

• It covers damage to the electric motor.
• It reduces the high repair costs of EV motor components.
• It provides peace of mind while driving your electric vehicle.

• You can customise your insurance. One of the best things about add-ons is that they allow you to customise your insurance to better suit your needs. You can add special coverage for things that matter most to you, whether it is your car’s engine, tyres, or personal stuff inside your car. This way, your insurance is exactly what you need.
• It saves money for repairs. Car repairs can be expensive and can cost you a lot of money. Add-on covers help pay for things like repairs or replacements, so you do not have to pay the full amount yourself. It helps reduce your financial worries.
• You can drive without worrying. With add-on covers, you can drive your car without any financial stress. Whether it is a small accident, a flat tyre, or a breakdown, you know that your insurance will cover all the costs.
• You can keep your NCB safe. When you do not claim your insurance, you get a No Claim Bonus (NCB), which means lower premiums next year. But if you do need to make a claim, you might lose it. Add-on covers like NCB protection help you keep that bonus, even if something happens.

• Know what you need. Think about the risks your car might face, how you drive, and where you live. For example, if you live in an area with many accidents or car thefts, add-ons like engine protection or roadside assistance could be helpful.
• Check your budget. It's also important to check your budget before adding extra covers. Make sure you only pick the ones you really need and can afford.
• Compare prices. Look at the prices of car insurance and add-ons from different companies online. This will help you find the best plan that works for you.
• Read the terms and conditions. Before you choose any add-on, read the policy carefully. This will help you understand what is covered and what is not, so there are no surprises later when you make a claim.