Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Choosing The Right Add-On For Your Motor Insurance

Written by Sharad Bajaj
Updated On Oct 14, 20232 min read

Add-ons provide additional coverage, but with so many to choose from, which one is meant for you? Read this article to find out.

A standard car insurance provides basic protection for cars during a mishap. Over the years, however, additional protection has become available to policyholders as add-ons. Add-ons are optional and build on your existing policy, due to this they provide policyholders the flexibility to mould their policy according to their needs. In car insurance policies there are a number of add-on covers to choose from. They all have their purpose, but you do not need to purchase them all. So how to choose the right add-ons for your car insurance? Read this article to find out.

What is an Add-On?

Add-ons provide additional cover which can be opted for in an own-damage or comprehensive car insurance. They add to the existing coverage of the standard policy while also providing the policyholder with the possibility to pick and choose add-ons according to your requirements.

What are the Types of Car Insurance Add-Ons?

The types of add-ons available may vary slightly for every insurance company. These are the following insurance covers that most companies offer:

  1. Roadside Assistance Cover: If you opt for this cover, the insurance company will provide assistance for roadside breakdowns or any similar situation that leaves you stranded a certain distance from your mentioned city in the policy. The specifics of the cover may differ but most also offer benefits such as getting tyre punctures or other problems with the wheels fixed, towing the car and taxi service to get you to your destination. Click here to read more.
  2. Engine Protection Cover: Standard car insurance usually does not cover the damages to the engine during a mishap. But with this add-on, you can receive compensation for it. Moreover, it will also cover damages caused due to natural disasters.
  3. Tyre Protection Cover: Similar to the engine, tyres are usually not covered under standard insurance. With this cover, you can get compensation for damages to the tyre as well as any labour costs that come with it.
  4. Consumables Cover: Consumables include things like coolant, grease, nuts and bolts, i.e., things that are often entirely consumed in one use. With this cover, you can get compensation for the costs of these aspects of the car’s parts.
  5. Zero Depreciation Cover: Due to depreciation the value of your car decreases at a consistent rate affecting the Insured Declared Value (IDV). With this cover, a limited number of claims can be made which does not take in the depreciation rate when calculating the claim.
  6. Return To Invoice Cover: This add-on is available to new cars and cars that are not older than five years. In case of theft or total damage, this cover will compensate entirely for it. Unlike standard insurance that would calculate this claim according to the IDV, this cover calculates it according to the on-road price of the vehicle, without taking depreciation into account.
  7. Passenger Cover: While third party car insurance and personal accident covers are mandatory, this cover comes as an add-on. It is an advisable purchase, as anybody inside the car during an accident is the car owners responsibility. This will cover up to three people in the car if a mishap occurs.

Also Read

What Is the Importance of Third Party Cover in Car Insurance?

What is Roadside Assistance Cover in Car Insurance?


In a nutshell, the above-mentioned add-ons are a few add-ons that can make a crucial difference to you in a time of crisis. They mostly have a negligible premium that adds to your total premium and will provide a disproportionate amount of return if you are ever in a situation that requires their use. A clear understanding of what each of these covers will provide you should help you in making a choice for what suits your needs best. Click here to know more about car insurance premium quotes.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
Author Image
Written by Sharad Bajaj
View Author

 Sharad is an insurance industry veteran who has managed motor insurance products for over a decade. He helped set up and scale the motor insurance vertical for a leading insurance company in his previous stint. In his spare time, Sharad likes to read and be in tune with nature.

Explore more before buying Car Insurance

    must dotmust graphics

    Why to buy from InsuranceDekho?

    • Instant policy # within 5 mins
    • More than 45 Lac happy customers
    • Claim Support available all 7 days of the week

    People Also Read