Car Insurance Add-ons

What Is A Car Insurance Add-on?

A car insurance add-on is an additional cover which can be opted with a comprehensive car insurance policy to strengthen the coverage and protection provided by a car insurance policy. There are multiple of add-ons which can be opted with a comprehensive car insurance policy.

Types of Car Insurance Add-ons

The availability of car insurance add-ons vary from insurer to insure. The following are some car insurance add-on covers which are offered by most of the general insurance companies:

Zero Depreciation Cover: The amount of depreciation applicable on your car and its parts is deducted by the insurer from the claim amount at the time of a claim settlement. A zero depreciation cover helps you mitigate this burden of bearing the depreciation cost of your vehicle thereby increasing your claim amount. Most of the insurers allow a maximum of 2 zero depreciation claims, however, some insurers including IFFCO Tokio allow unlimited zero depreciation claims during the policy tenure.

Consumables Cover: This add-on provides coverage for consumable elements such as grease, air conditioner’s gas, lubricants clip, bearings, fuel filter, engine oil, oil filter, break

oil, nut and bolt, screw, washers, etc, which are not covered in the standard policy.

GAP Value Cover: This add-on helps you get complete invoice price of the vehicle in the event of theft, total loss or constructive total loss. It also covers the Road Tax and first time registration charges against an additional premium.

Roadside Assistance Cover: This add-on cover secures assistance services in the event of the breakdown of the insured vehicle. The services include towing to the nearest garage, on-site repair services, assistance in case of loss of keys, changing flat tyres, fuel delivery, etc.

Key Loss Cover: This add-on cover makes the insurance company liable to compensate the policyholder for the loss of key(s).

Passenger Assistance Cover: It is a bundled cover which includes Hospital Allowance, Medical Expenses and Medical Transport Assistance to the policyholder in the event of an accident.

Which car do you drive?

When did you buy your car?
Have you made a claim in the previous year?

Engine Safe Cover: This cover allows the policyholder to get indemnifies against expenses for mechanical/electrical breakdown of the engine due to an oil spill or water ingression.

Loss of Personal Belongings: With this add-on, the insurer compensates the policyholder for the loss of personal belongings such as the articles or other items of a personal nature which are likely to be used, carried or worn.

Return To Invoice: This add-on cover allows you to get full invoice price of your vehicle when it suffers Total Loss, Constructive Total Loss (CTL) or theft.

Daily Allowance: By opting for this add-on you get a daily allowance from the insurer when the car is lost or is out for repairs.

Protection Of NCB: This add-on helps you retain your No Claim Bonus (NCB) discount even if you had filed a claim in the last policy tenure. NCB is the discount which you get on own-damage premium for every claim-free year.

Personal Laptop and Mobile Cover: This add-on allows you to get compensation for the loss of personal laptop and mobile kept in the vehicle.

Tyre Damage Cover: This add-on provides cover for damages such as in-tyre bulge, puncture or bursting of tyres, cut on a tyre due to an accident, etc.

Add On Covers Car Insurance Companies

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Car Companies User Reviews

  • Excellent work by executive

    You executive is an excellent resource who has been very patient and calm in his work. He explained the policy in very well manner and helped me get r...

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    On: 21st May, 2020 | Views
  • Excellent opportunity for the vehicle owners

    Very much happy with the service provided by keeping the quotations from different insurers to select the best price.

    On: 20th May, 2020 | Views
  • Great support

    Excellent great support.

    On: 19th May, 2020 | Views
  • Great support from team

    Very good support from executive

    On: 16th May, 2020 | Views
  • The service by your executive was outstanding!

    Executive of have done a great job in assisting me. Special thanks to the team of Insurance Dekho.

    On: 13th May, 2020 | Views
  • Easy App

    Super and easy app. Convenient to choose insurance policy.

    On: 13th May, 2020 | Views
  • Easy Insurance service

    Very nice service and facility given on call support.

    On: 12th May, 2020 | Views
  • Exemplary service

    I have been provided the best possible service that too at 5am by your executive. It was exemplary! Employee like her is an asset and must be valued ...

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    On: 12th May, 2020 | Views
  • Good Support

    Good support from Insurance Dekho team.

    Pushp Mahindra
    On: 28th April, 2020 | Views
  • Supportive person

    Nice executive who is an expert in the field of insurance

    Pankaj Rawat
    On: 23rd April, 2020 | Views
  • Great Support for quick Insurance

    Good experience and quick service as always.

    On: 16th April, 2020 | Views
  • Good job biddya

    Thank you so much to your executive for his assistance. First time I have taken online policy from you.

    On: 29th July, 2019 | Views

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