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New India Car Insurance Add on Covers

New India Assurance helps you extend the coverage of your standard car insurance policy with its add-on covers. Add-ons are extra coverages which enhance the basic coverage of your plan in return of an additional premium.

​New India - 6 Important Add-on Covers For Your Car Insurance Policy

These car insurance add-ons can be availed with New India Assurance comprehensive and standalone car insurance plans:

1. Enhancement Cover/Zero Depreciation Cover

This cover insures you against the depreciation applicable on your car and its plastic and metal parts at 100% except tyres, tubes and batteries which are covered at 50%. This cover helps you receive a higher claim amount by freeing you from the liability of bearing depreciation expense.

2. Engine Protection Cover

The engine and gearbox of your car is not insured by default under a standard car insurance plan. Thus, this add-on helps you get the engine and its parts along with the gearbox insured against damages caused by oil leakages and ingress of water. This add-on is available for cars not more than 5 years of age.

3. No Claim Bonus Protection Cover

No Claim Bonus refers to the reward which you get for not making even a single claim during the entire period of your car insurance plan. This reward ranges from 20% to 50% of your own-damage premium and is available to you at the time of renewal. However, if you make even a single claim, this reward is lost. This is where the No Claim Bonus Protection Cover comes useful. It helps you protect your NCB reward even after you make up to claim during the policy period. This add-on is available for cars aged up to 7 years.

4. Road Tax Cover

In cases of theft of your car as well as constructive total loss (when the damage is more than 70%) this add-on helps you get the Road Tax charges on the replacement of your car. The cover is for cars aged up to 5 years.

5. Return to Invoice Cover

This cover helps you get the Invoice Price of your car as compensation instead of the Insured Declared Value (IDV) in case of the total loss and theft of your car. The invoice price refers to the amount which you paid at the time of purchasing your car. It includes the ex-showroom price of your car, road-tax and the registration charges of your car. This add-on cover is available for cars with invoice price not exceeding Rs. 20 lakh and cars which are not more than 3 years of age.

6. Personal Belongings Cover

This add-on insures you against the loss or damage incurred to the personal belongings kept in the car at the time of theft or any mishap of the car. The coverage under this add-on is limited to Rs. 20,000 with an additional 20% of the sum insured i.e. Rs. 4,000 for each item or the actual price, whichever is lesser. This add-on is available for cars aged up to 7 years.

Must Read Articles before buying New India Car Insurance

New India Car Insurance User Reviews

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What users are saying
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  • Smooth Insurance Purchase Proc...

    Buying New India Car Insurance through InsuranceDekho was a breeze! Their team helped me choose the right coverage hassle-free. Now, I feel confident about my car's protection.

    V
    By Vinita Kumari
    On: March 6, 2024
  • A Necessity, Not an Option

    I used to think that own damage coverage was optional, but after experiencing InsuranceDekho's service, I now consider it a necessity and added it to my New India Car Insurance Policy for my MG car. It's a must-have for every car owner.

    H
    By Hitesh Rastogi
    On: November 24, 2023
  • Peace of Mind on the Road

    I am glad that I insured my Ford with the New India Car Insurance Policy. InsuranceDekho's network of cashless garages gives me peace of mind on the road. I know help is just a call away.

    V
    By Vishal Gopal
    On: November 15, 2023
  • Protection for Every Drive

    I am a satisfied customer of the New India Car Insurance Policy. InsuranceDekho's own damage insurance offered my Honda car protection for every drive, ensuring that I could hit the road with confidence.

    R
    By Ruhu Handa
    On: November 9, 2023
  • Trustworthy Claims Partner

    I recently had to file a claim for my Nissan car. InsuranceDekho has earned my trust as a reliable and trustworthy partner for my New India Car Insurance Policy’s claims. Their professionalism and efficiency make them stand out in the industry.

    S
    By Shilpi Ahuja
    On: October 17, 2023
  • Renewed Satisfaction

    I renewed my car insurance with InsuranceDekho, and once again, they've met my expectations. Their New India Car Insurance Policy which I took for my Hyundai car is very comprehensive, and their renewal process is efficient. I'm a satisfied customer.

    K
    By Kishore Pala
    On: September 29, 2023
  • Simplified Premium Calculation...

    I appreciated how InsuranceDekho simplified the premium calculation process for the New India Car Insurance Policy which I intended to purchase to insure my Kia car. It took the guesswork out of choosing the right insurance plan.

    D
    By Deepa Dadlani
    On: September 21, 2023
  • Great Value for Money

    I believe InsuranceDekho's third-party car insurance offers great value for money along with the New India Car Insurance Policy. It provides the necessary coverage for my Kia car at an affordable cost.

    A
    By Aditya Raj
    On: September 14, 2023
  • Effortless Claims with Cashles...

    Filing a claim with InsuranceDekho's cashless garages for my New India Car Insurance Policy was effortless. They took care of everything for my Toyota car, from evaluation to settlement.

    By Swati Jain
    On: September 12, 2023
  • Helpful Add-Ons for Enhanced P...

    I love the add-on options of own damage coverage that InsuranceDekho offers with the New India Car Insurance Policy. These extras provide enhanced protection for my Land Rover car, which is essential for me.

    G
    By Gaurav Negi
    On: September 8, 2023

259 New India Cashless Garages in India

New India Car Insurance Add-On Cover FAQs

  • Which add-on covers are provided by New India for its car insurance plans?

    Various add-on covers are offered by the New India car insurance add-on cover such as Zero Depreciation Cover, Engine Protection Cover, No Claim Bonus Protection Cover, Road Tax Cover, Return to Invoice Cover, and Personal Belonging Cover.

  • Is it necessary to buy an add-on insurance cover?

    No, it is not compulsory to include an add-on cover in your car insurance policy and it is purely up to you for an add-on cover or not.

  • Will I have to pay for an additional amount to buy an add-on cover?

    Yes, you will have to pay for an additional amount of premium to include an add-on cover in your car insurance plan along with the premium of your base policy.

  • When can I purchase the New India car insurance add-on covers?

    You can buy the add-on covers either at the time of car insurance policy purchase or during the car insurance policy renewal process.

  • How many add-on covers can I opt for at a time?

    You can purchase as many add-on covers as you want to include in your car insurance plan at a time based on your budget and needs.

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