What are Electrical and Non-Electrical Accessory Covers in Car Insurance

Electrical & Non-Electrical Accessories in Car Insurance

Let’s understand electrical and non-electrical accessories briefly:

1. What is the Meaning of Electrical accessories add-on?

Electrical accessories car insurance refers to an add-on cover that protects electrical devices installed in your car that are not part of the original equipment provided by the manufacturer. This includes items like stereo systems, reverse cameras, LCD screens, and other electronic gadgets.

2. What is the Meaning of the Non-Electrical Accessories cover?

The Non-Electrical Accessories Add-on in car insurance provides coverage for car accessories that do not require electricity to function. These include items like seat covers, floor mats, alloy wheels, interior fittings, and other cosmetic or functional upgrades that are not powered by electricity.

Key Features of Hospital Cash Cover

Here are some of the benefits of hospital cash cover in health insurance:

• Fixed Daily Payout: A pre-decided amount is paid daily during hospitalisation, regardless of actual medical expenses.
• No Restrictions on Usage: You can use the money for any purpose, like transport, food, or lodging for family, not just for medical bills.
• Flexible Use of Funds: The benefit gives you complete freedom to manage your daily needs during hospitalization and reduces financial stress.
• Works with Health Insurance: Acts as a helpful add-on to your health insurance by covering everyday expenses that regular insurance may not include.
• No Pre-Approval Needed: You do not need any special approval to get the benefit. The process is quick and easy.
• Covers Non-Medical Expenses: Helps pay for things like hospital travel, meals, or temporary accommodation for your family while you are admitted.
• Affordable Premium: It comes at a low extra cost and offers valuable support without a heavy financial burden.

What Accessories are Covered in Car Insurance?

Damage to the insured car accessories caused by accidents, natural calamities, or similar events is generally covered under the policy. Additionally, the policy also provides coverage in case the insured accessories are stolen or lost due to burglary.

1. Electrical Accessories

Here are the additional parts that electrical accessories car insurance covers:

• Audio system
• Vacuum cleaner
• Air conditioning unit
• Anti-theft device
• Fire extinguisher
• Display monitor or screen
• Rear brake lighting system
• Front fog lamps

2. Non-Electrical Accessories

There are no restrictions on how you use the hospital cover cash. Whether it is for food, travel, hotel stay, or any other side expenses, the money can be used as needed by you or your family. You can use the fund based on your needs.

• Custom leather seats
• Dual-fuel (CNG and petrol) systems
• Premium seat covers
• CNG installation kit
• Alloy or custom wheels
• Interior fittings

What is Excluded in Electrical and Non-Electrical Accessories in Car Insurance?

If the terms and conditions of the policy are not followed, the electrical and non-electrical accessories in car Insurance will not be covered. For example, if damage occurs while the private car is being used for illegal or commercial purposes, the claim may be rejected.

Additionally, claims raised after one month from the incident are generally not accepted.

Benefits of Add-ons of Electrical and Non-Electrical Accessories in Car Insurance

To understand the importance and need of all the additional accessories in car insurance, let’s go through the benefits of the add-on cover:

• Complete Protection: Protect all parts of your car, including accessories not usually covered by regular insurance.
• Financial Security: Avoid paying out of pocket for repairs or replacement of your car’s accessories.
• Better Coverage: Customize your insurance to cover the unique features and upgrades of your car.
• Peace of Mind: Drive confidently, knowing your car accessories are protected.
• Increased Value: Keep the value of your car’s accessories safe from damage or loss.

How is the Value of Electrical and Non-Electrical Accessories Calculated During a Claim?

When a claim for car accessories is made, the value of the damaged accessory is calculated based on its original invoice and the applicable depreciation rate. This depreciation rate is pre-determined and depends on the accessory’s age. To know more about the rate and cost, refer to your policy wordings.

Tips to Maintain Car Insurance Accessories in Good Condition

Here are some tips that you can consider to maintain a longer and safer life for car accessories:

• Keep Accessories in Good Condition: Regular maintenance can reduce the risk of damage and the need to file a claim.
• Store Bills and Receipts: Maintain proper records and invoices for all accessories to ensure a smooth and hassle-free claim process.
• Review Policy Details: Check your policy regularly to ensure it still covers all your current needs and accessories.
• Report Upgrades Promptly: Inform your insurer whenever you add or upgrade accessories so they can include them in your coverage.
• Stay Within Policy Limits: Be aware of the terms and limits of your add-on cover to avoid claim rejections.

Conclusion

Add-on relating to electrical and non-electrical accessories in car insurance is a smart way to protect the extra features you've added to your vehicle. It gives you financial protection, peace of mind, and ensures your car’s value is well protected in case of damage or loss.

Always keep your accessories in good condition, maintain proper records, and stay updated with your policy to make the most of this add-on cover.

If you want to buy car insurance and this accessories add-on online, we are here to guide you well. Our customer support executive is available 24*7 to resolve and guide you well with your queries.