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Understanding of Important Car Insurance Add-on Covers!

Published On Mar 29, 2021 10:00 AM By InsuranceDekho

Here are some of the important add-on covers which should be chosen for the complete protection of your car.

A common mistake that people commit while purchasing a car insurance policy is ignoring the importance of add-on covers. With the inclusion of additional covers, you can enhance the coverage of your policy. You can add any rider or add-on cover in the policy by paying a little extra amount of premium along with the standard policy premium.

Understanding of Important Car Insurance Add-on Covers!

List of Car Insurance Add-on Covers 

However, there are several add-on covers associated with car insurance, but different insurance companies offer different add-on covers from which you need to select the ones which you find suitable for your car. To select them you need to own some understanding about them, hence, let us discuss the most popular covers:

1. Zero Depreciation Cover

In most cases, the car owner pays for the depreciation cost of the car and the replacement of the car’s spare parts after an accident or a mishap. However, if you want to get this expenditure also to be compensated by the insurance company, you will have to purchase a Nil or Zero Depreciation add-on cover to be included in your existing insurance plan. It covers the cost of repair and replacement of fibre, rubber, and plastic components of the car.

2. Roadside Assistance Cover

Roadside assistance add-on cover is designed to help you in situations where you require assistance for your car in the middle of the road. The cover provides a range of benefits from repairing your tyres on the spot to towing your car to a garage or managing a taxi service to assist you to reach your destination. Roadside Assistance add-on cover is generally provided to people who are stranded somewhere within a particular radius from the middle of your city.

3. NCB Protect Cover

No Claim Bonus (NCB) is a benefit offered to policyholders for not filing any claim during their car insurance policy period. The NCB is a reward that is offered in percentage which ranges between 20% to 50%, as it accumulates with every claim-free year. The NCB reduces the premium amount of the next policy year but it can be eliminated even if a single claim is filed by you. To prevent this situation and protect your NCB, you can opt for the NCB Protect add-on cover, which will retain your bonus even if a claim is made.

4. Return to Invoice Cover

The Return to Invoice (RTI) add-on cover comes in force when your car is stolen or damaged beyond repair after an accident or a mishap. When it comes to a normal insurance policy, the maximum amount of car insurance claim which you can get is limited to its Insured Declared Value (IDV) and not up to the actual invoice value which you paid during the purchase of the car. The RTI is an add-on cover that covers the gap between the IDV and the invoice value of the car and tends to refund the cost mentioned on the invoice.

5. Engine Protection Cover

When it comes to a standard car insurance policy, it gives coverage to only damages which occurred due to an accident or any mishap. But, many times your engine can suffer consequential damages too due to a collision, etc. This Engine Protection add-on cover provides you coverage for damages which is caused due to leakage of lubricating oil or due to the entrance of water inside the engine, or any related damage sustained by your car.


It is crucial to understand the value and purpose of different car insurance add-on covers to enhance the coverage of your policy and enjoy it to the fullest. There are several add-on covers available in the market from which we have described some top covers. We hope with the above-given descriptions, you can select an add-on cover for your car in an easier manner in the future.

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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