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Small Repair Claim Add-on for Car Insurance

Published On Oct 21, 2020, Updated On Oct 24, 2020

Let's explore about car insurance for minor damages (small repair claim add-on).

Regardless of how cautious you are, your car will always be exposed to risks when driving. You will always have the possibility of needing repairs on your car, from damages sustained in accidents on the road. A comprehensive car insurance policy would offer coverage for own damage, that is, damage occurring to your person or to your vehicles. There are add ons available that will strengthen car insurance and make it more robust, increasing the safety net for you when you are out on the road. It will give you additional peace of mind. One such add on is a Small Repair Claim Add on.

Damages for Which You Can Use Small Repair Addon

As the name suggests, this addon covers any small damages that may arise which do not require the replacement of any of the parts of your car. The following are the situations in which you will be able to avail the coverage of the small repair addon:

  • Gear-box overhaul
  • Engine tuning
  • Replacement of battery
  • Painting
  • Balancing
  • Polishing
  • Wheel Alignment
  • Minor Denting (only for non cutting and non welding work)
  • Paid service labour
  • Clutch overhaul
  • Interior cleaning
  • Tyre rotation
  • Anti-rust coating
  • Suspension overhaul

Why is Small Repair Claim needed?

There are many instances in which the damage incurred by a car is so small that one does not view it as prudent to raise an insurance claim, and rather would get the damage repaired on their own rather than disrupt the claim history and interfere with the potential discount of no claim bonus in car insurance. This is where Small Repair Claim comes in. Under normal circumstances, when you would have your car repaired through your insurance company, the raising of the claim would have an impact on your No Claim Bonus.

No Claim Bonus refers to a discount that is accumulated when there is no claim raised during the policy tenure. Thus, it is understandable that you may want to repair the damage yourself rather than disrupt your No Claim Bonus by raising a claim. When you have a Small Repair Claim add on, however, you are able to get your car repaired through your car insurance company without interfering with the No Claim Bonus record. It is thus extremely advisable and beneficial.

When is Small Repair Claim Add on Applicable?

Features and Benefits of Small Repair Claim Add On

The main benefit of Small Repair Claim Add on is that it allows you to raise small claims with your insurance company without disrupting your NCB discount. NCB refers to No Claim Bonus, which is a discount that gets accumulated over the years when no claims are made during the policy tenure. Many times people would opt to get small damages repaired themselves rather than raise an insurance claim, for this very reason, as raising a claim would disrupt the NCB. However, with the Small Repair Claim Add on, you are able to raise a claim for small repairs without disrupting your NCB.

As the name suggests, this is not an add on that allows for large claims to be made. While it is extremely beneficial in that it does not disrupt your accumulated No Claim Bonus, it is also only applicable in certain situations. Therefore, it is applicable when the repair does not require any replacement of car parts. Therefore, the compensation that would be involved is for the labour involved in conducting the repair. Thus the car insurance company would compensate you for the labour required to fix the damage, and no replacement of car parts would be involved in the process. It would include small claims such as fixing paint, anti-rust coating, interior cleaning, and other minor damage repairs.


The add on for small repair claims is thus extremely useful. It allows you to raise small claims for damage repairs without disrupting your valuable no claim bonus. Thus the labour involved in conducting the repair is compensated for and you do not need to conduct the repair on your own, and are able to do so through your insurance company.

Types of Car Insurance You Should Know:

Third Party Car Insurance

Comprehensive Car Insurance Policy

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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.

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