Car Insurance Add-ons Covers
Every car owner does not always have the same coverage needs. Some seek additional financial protection from the insurers. ToRead More
Buy/Renew Car Insurance
Premium coverage starts at ₹ 2094*By clicking on 'View Plans', you agree to our Privacy Policy & Terms of use *Disclaimer
Hassle-Free Buying Process
24*7 Customer Support
Compare Different Plans Easily
What Are Add-ons in Car Insurance?
Add-ons in car insurance are optional coverages that provide extra protection beyond the standard policy coverage. With it, you can customize insurance plans according to your car usage, budget, and specific protection needs.
Since add-ons are optional, they are included by paying an additional premium to the insurer. These add-ons are available with standalone and comprehensive car insurance plans.
Why Are Add-ons Important in Car Insurance?
Car Insurance add-on cover offers protection beyond the standard plan. Here are some of the key benefits of add-ons:
- 1It bridges the gap between needs and standard coverage policy.
- 2The overall financial protection is enhanced with add-ons.
- 3Get protection against specific risks such as engine or tyre damage.
- 4Add-ons like RSA (Roadside Assistance) provide convenience while riding.
- 5Reduces out-of-pocket expenses during claim settlement.
How Do Add-ons Cover in Car Insurance Work?
Buy a Car Insurance PolicySelect Relevant Add-onsPay Additional PremiumGet Enhanced CoverageReceive Additional Benefits During ClaimsAdd-ons are not purchased separately. They are attached to your existing car insurance policy to provide additional protection.
- 1Buy a Car Insurance PolicyStart with a standard car insurance policy.
- 2Select Relevant Add-ons Choose add-ons such as Zero Depreciation, Engine Protection, or Roadside Assistance based on your needs.
- 3Pay Additional Premium Since add-ons provide extra coverage, an additional premium is charged.
- 4Get Enhanced Coverage Your policy now offers protection beyond the standard coverage.
- 5Receive Benefits During Claims If a covered event occurs, the add-on benefits can help reduce your financial burden during claim settlement.
Understanding the Process
For example:
Imagine Rajat has met with an accident. You have to get a part replaced, but depreciation is reducing the claim amount. But you have zero depreciation cover, which ensures better financial coverage.
| Particulars | Without Zero Depreciation Cover | With Zero Depreciation Cover |
|---|---|---|
| Cost of damaged car parts | Rs 20,000 | Rs 20,000 |
| Depreciation charged (30%) | Rs 6,000 | Rs 0 |
| Claim amount paid by insurer* | Rs 14,000 | Rs 20,000 |
| Amount paid by you | Rs 6,000 | Rs 0 |
*Actual claim settlement can vary depending on deductibles, policy terms, and conditions.
Top Car Insurance Plans
Most Popular Car Insurance Add-ons
Here is the list of some popular add-ons for car insurance that improve the financial protection and reduce the burden at the time of damage:
Zero Depreciation Cover
Meaning:This add-on reduces or eliminates depreciation deductions on replaced car parts during claim settlement.How It Helps:With this add-on, you can receive a higher claim amount. It will also help to reduce out-of-pocket expenses after an accident.Example:Aarav's 2-year-old car was damaged in a minor collision. The replacement cost of damaged parts was Rs 20,000. Without Zero Depreciation Cover, depreciation deductions reduced the claim amount. With the add-on, he received a higher claim settlement and paid significantly less from his own pocket.
Engine Protection Cover
Meaning:This add-on covers repair expenses arising from engine damage due to water ingress or lubricant leakage.How It Helps:Engine repairs can be expensive, and standard policies do not always cover such damages.Example:During heavy monsoon rains, Riya drove through a waterlogged road, and water entered her car's engine. The repair bill was high. Since she had Engine Protection Cover, the repair expenses were covered as per policy terms.
Roadside Assistance Cover
Meaning:This add-on provides emergency assistance if your vehicle breaks down on the road.How It Helps:It offers services such as towing, battery jump-start, fuel delivery, and flat tyre assistance.Example:While travelling late at night, Karan's car battery stopped working on a highway. He contacted the insurer's roadside assistance team and received immediate support without arranging help on his own.
Return to Invoice Cover
Meaning:This add-on recovers the original invoice value of the vehicle in case of total loss or theft.How It Helps:It bridges the gap between the car's depreciated value and its original purchase price.Example:Meera bought a new car for Rs 10 lakh. A year later, the vehicle was stolen and could not be recovered. With Return to Invoice Cover, she became eligible to receive compensation closer to the vehicle's invoice value, subject to policy terms.
Consumables Cover
Meaning:This add-on covers the cost of consumable items used during repairs.How It Helps:Items such as engine oil, lubricants, nuts, bolts, and grease can increase repair bills as well. But with this add-on, these costs are covered under the policy.Example:After an accident, Arjun's car required several repairs. Along with replacing damaged parts, various consumables were used during the repair process. The Consumables Cover helped cover these additional expenses.
NCB Protection Cover
Meaning:This add-on helps protect your accumulated No Claim Bonus (NCB) even after making a claim.How It Helps:You may retain your NCB benefits and premium discounts despite a claim.Example:Neha had built a 35% No Claim Bonus over several claim-free years. After a minor accident claim, her NCB Protection Cover helped preserve her accumulated discount as per policy conditions.
Key Replacement Cover
Meaning:This add-on covers expenses related to lost, stolen, or damaged car keys.How It Helps:Modern smart keys can be costly to replace.Example:Vikram misplaced his car's smart key while travelling. The replacement and reprogramming costs were high. His Key Replacement Cover helped cover these expenses according to policy terms.
Tyre Protection Cover
Meaning:This add-on covers repair or replacement expenses for damaged tyres.How It Helps:Tyre damage due to potholes, punctures, or road hazards can lead to unexpected costs.Example:While driving through a pothole-filled road after heavy rainfall, Priya's tyre suffered severe damage. Her Tyre Protection Cover helped cover the repair and replacement expenses.
Personal Accident Cover
Meaning:This cover provides financial compensation in case of accidental injury, disability, or death of the owner-driver.How It Helps:It offers financial support to the insured person or their family during difficult situations.Example:Rohan met with a serious road accident that resulted in injuries requiring long-term treatment. The Personal Accident Cover provided financial assistance according to the policy benefits.
Passenger Cover
Meaning:This add-on protects passengers travelling in the insured vehicle.How It Helps:It offers financial support if passengers suffer injuries due to an accident.Example:During a family trip, Ananya's car was involved in an accident, and one of the passengers sustained injuries. The Passenger Cover helped provide compensation as per the policy coverage and terms.
Which Add-ons Are Suitable for Different Car Owners?
Here is the table showing the suitability of add-on coverage in car insurance for different users:
| Type of Car Owner | Suitable Add-on Cover |
|---|---|
| New car owners | Zero Depreciation Cover |
| Owners in flood-prone areas | Engine Protection Cover |
| Frequent highway travelers | Roadside Assistance Cover |
| Luxury car owners | Return to Invoice Cover |
| Daily commuters | Consumables Cover |
| Owners in theft-prone areas | Key Replacement Cover |
| Drivers seeking higher financial protection | NCB Protection Cover |
| Families making long trips | Passenger Cover Add-on |
How Add-ons Affect Your Premium
Add-ons provide extra protection beyond the standard car insurance policy. While they increase your premium slightly, they can help you save a significant amount during a claim.
The more add-ons you choose, the higher your premium will be. Therefore, it is best to select only those add-ons that match your driving habits, vehicle type, and coverage needs.
Are Add-ons Worth Buying?
Yes, add-ons can be worth buying if they match your vehicle usage and protection needs. While they increase the insurance premium, they also provide coverage for expenses that are not included in a standard car insurance policy.
However, not every add-on is necessary for every car owner. Instead of choosing multiple add-ons, focus on those that address the risks you are most likely to face. This way, you can enhance your coverage without paying for benefits you never use.
Certain add-ons can significantly reduce your out-of-pocket expenses during a claim. Add-on covers such as Zero Depreciation, Engine Protection, Return to Invoice, and Consumables Cover pay for costs that are usually not covered under a standard car insurance policy.
How to Choose the Right Add-ons
Selecting the right add-ons depends on your car, driving habits, and the risks you are most likely to face. For example, Zero Depreciation Cover is often suitable for new cars, while Engine Protection Cover can be beneficial for vehicles driven in flood-prone areas. If you frequently travel long distances, Roadside Assistance can provide added convenience.
Instead of choosing every available add-on, focus on covers that offer practical value and strengthen your financial protection during claims.
Car Insurance for popular brands
Maruti-Suzuki Car Insurance₹ 2094 View Plans 
BMW Car Insurance₹ 2094 View Plans Maruti Alto 800 Car Insurance₹ 2094 View Plans 
Tata Nexon Car Insurance₹ 2094 View Plans Maruti Ciaz Car Insurance₹ 2094 View Plans 
Mahindra Scorpio Insurance₹ 2094 View Plans Maruti Swift Insurance₹ 2094 View Plans Mahindra XUV500 Insurance₹ 2094 View Plans FAQs
An add-on cover in car insurance is an optional benefit that provides extra protection beyond the standard policy coverage. It can be purchased by paying an additional premium.
Some of the most commonly selected add-on covers in car insurance include Zero Depreciation Cover, Engine Protection Cover, Roadside Assistance, and Return to Invoice Cover.
Yes, add-on coverage in car insurance can be worth buying if it matches your needs. It helps reduce out-of-pocket expenses and provides better financial protection during claims.
Yes, most insurers allow you to add or remove add-on covers when renewing your car insurance policy.
Yes, add-on covers increase the premium because they provide additional protection beyond the standard policy coverage.
Zero Depreciation Cover is often considered one of the most useful add-ons for new cars as it helps maximise claim payouts.
No, add-on covers are generally available only with comprehensive and standalone own-damage car insurance policies.
Yes, you can select multiple add-ons based on your requirements, vehicle type, and budget.
No, standard car insurance covers many risks. Add-on covers are meant to provide extra protection for specific situations.
Yes, you can purchase a standard car insurance policy without add-ons. However, add-ons can help enhance your coverage.
The right add-on depends on factors such as your car's age, usage, location, and coverage needs.