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Top Add-on Covers You Must Have

Written by Sumit Arora
Updated On Oct 16, 20232 min read

The add-on covers provide additional insurance coverage that policyholders can purchase for a little additional price. The insurance coverage extension makes it easier for the automobile owner to cope with a variety of problems. Roadside assistance, key replacement, and return to the invoice are just a few of the add-ons available.

Add-On Covers for Car Insurance - A vehicle insurance add-on is a cover that can be acquired in addition to a comprehensive automobile insurance policy to increase the policy's coverage and protection. With comprehensive auto insurance coverage, you may choose from a variety of add-ons.

Top Add-on Covers You Must Have

Car Insurance Add-on Covers

Car insurance add-ons are available from one insurer to the next. The following are some of the auto insurance add-ons that most general insurance companies provide:

  • Add-on Coverage with Zero Depreciation

When a claim is settled, the insurer deducts the amount of depreciation that applies to your automobile and its parts from the claim amount. A zero depreciation policy relieves you of the stress of incurring the depreciation cost of your vehicle, allowing you to recover more money. Most insurers limit zero depreciation claims to two per policy term; however, certain insurers, such as IFFCO Tokio, allow limitless zero depreciation claims.

  • Add-on Cover for Consumables

Grease, air conditioner gas, lubricants clip, bearings, fuel filter, engine oil, oil filter, brake oil, nut and bolt, screw, washers, and other consumables not covered by ordinary insurance are covered by this add-on.

  • Add-on Coverage for Roadside Assistance

This optional coverage provides support services in the event that the insured vehicle breaks down. Towing to a nearby garage, on-site repair, assistance in the event of a lost key, replacing flat tires, fuel delivery, and other services are available.

  • Add-on Cover for Engine Protection

This coverage protects the policyholder against the costs of a mechanical or electrical engine breakdown caused by an oil spill or water infiltration.

  • Add-on Coverage for Key Losses

This optional coverage makes the insurance provider responsible for compensating the policyholder in the event of a key loss (s).

  • Add-on Coverage for Passengers

In the case of an accident, it is a packaged protection that covers Hospital Allowance, Medical Expenses, and Medical Transport Assistance to the policyholder.

  • Add-on Coverage for Tyre Damage

This add-on covers in-tire bulges, punctures or bursting of tires, cuts on a tire due to an accident, and so on.

  • Add-on to Return to Invoice

When your car is totaled, has a Constructive Total Loss (CTL), or is stolen, this add-on protection lets you collect the entire invoice amount.

  • NCB Add-on Protection

Even if you filed a claim during the previous policy term, this add-on allows you to keep your No Claim Bonus (NCB) discount. Every claim-free year earns you a discount on your own-damage premium, known as NCB.

  • Personal Belongings Loss Add-on

The insurer covers the policyholder for the loss of personal things such as articles or other personal items that are likely to be used, carried, or worn with this add-on.

  • Add-on to Your Daily Allowance

If you choose this option, the insurance will pay you a daily allowance if your automobile is stolen or needs repairs.

Take Away

When you get a comprehensive auto insurance policy, the insurer will always offer you a few add-on covers as choices to expand your coverage. These add-on covers are crucial since traffic in India is extremely congested, and signal violations are common. As a result, any accident, little dent, or major damage can occur in the blink of an eye. In such cases, having comprehensive automobile insurance is advantageous since the insurance provider would cover the damages and repair costs. Because the base comprehensive policy does not cover all of the coverage, add-on covers are necessary.

Also Read: 

Significance of Cashless Garage Facility in India

What To Do If Magma HDI Car Insurance Policy Gets Lapsed?

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.
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Written by Sumit Arora
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 Sumit is an insurance industry veteran with more than 20 years in the industry. Sumit is a frequent columnist and speaker at major insurer conventions and is a heard name in insurance circles In his free time, Sumit likes to spend time with his family and go on trips

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