Add-On Covers in Car Insurance

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Car Insurance Add-Ons: Meaning, Benefits & How it Works

What is Add-On Cover in Car Insurance?

We know the importance of a healthy balanced diet! It not only helps us be healthy and fit, but also keeps us physically sound so our energy levels last longer!

Well, what if you could find the perfect healthy diet for your car too? With the right Add-ons, you can craft just that right mix for your car that keeps it running for the longest time!

While most of us are more than happy with our ‘premium insurance package’ - Comprehensive Car Insurance for our beloved car, many of us are unaware of special surprises that can be ‘Added on’ to your basic ‘premium insurance package’, to instantly transform it to an ‘uber-premium package’😊! That’s exactly what ‘Add on’ covers do!

You have the liberty to choose and pick the ‘Add on’ that entices you the most. So, let’s not keep you waiting. Here is the list of ‘Add on’ covers that you can choose with your car insurance policy. Go ahead, take your pick

Add-on Covers in Car Insurance by Digit

Zero Depreciation cover

In majority of the cases, it is the car owner who pays for the depreciation and replacement of new spare parts, after an accident. However, if one wants this expenditure to be covered by the insurance company, one needs to buy the Nil or Zero Depreciation add-on to avail the benefits of this cover along with the existing insurance plan. The Nil or Zero depreciation plan covers repair and replacement costs of rubber, plastic and fibre components of the vehicle.

Consumable cover

At the time of claims, usually consumables like oil, nuts and bolts etc. are not covered under insurance. With this add on, you can save on all those consumables that will be covered however small they might be! This add on covers expenses towards consumables which are unfit for further use, arising out of damage due to an accident.

Return to Invoice cover

This is probably a motorist’s worst nightmare- when your car is destroyed beyond repair! In other words, totaled in an unimaginable mishap. Thankfully there’s some conciliation is such extreme cases. Insurance companies will refund the complete value/amount mentioned on the invoice. Read more about RTI in Car Insurance.

Roadside Assistance

Roadside assistance add-on assists you in situations where you need help on the road with your car. The service offers many benefits from getting your set of wheels fixed on the spot to towing or taxi service to help you reach your destination. Roadside Assistance is usually provided to anyone who is stranded anywhere within the radius of 500km from the middle of the city.

Engine and Gear-box Protection cover

In a standard car insurance policy, only damages that occurred during the accident are covered. However, many times your engine could have consequential damages too, after the accident. Engine and Gear-box Protection add-on helps you protect for damages caused due to that. Such as for the damages that could arise due to leakage of lubricating oil or times when water enters the engine due to natural calamities. 

Tyre Protect cover

Tyres are the shoes of your set of wheels and endure immense torture, more so considering the road conditions in India. So, getting tyre protection cover makes complete sense, for modern day tyres don’t come cheap. In fact, a single run flat tyre that comes on top end cars can cos you 1+ lac rupees! And tyre damage can occur when we least expect it and can least afford it.

Key and Lock Protect

In case, you need to get the lockset of the four-wheeler replaced or fixed or accidentally lose the keys of the vehicle, Key and Lock Protect add-on cover comes in handy. The cost incurred by you for fixing or replacement of the same will be reimbursed by the insurer. 

Daily Conveyance Benefit

If the vehicle is damaged badly and it takes time for it to be fixed, it can cause a lot of difficulty when it comes to daily commuting. In that regard, the Daily Conveyance Benefit add-on comes as a relief because the insurer will pay a fixed allowance for every day commute or provide coupons from well-known taxi operators equivalent to the per day fixed allowance or arrange for a standby vehicle.

Loss to Personal Belongings

The insurer will indemnify against any physical damage to personal belongings in the insured vehicle if you have Loss to Personal Belongings add-on cover. The cover is only applicable to the immediate family which comprises of your spouse, children, parents/parents-in-law, and grandparents.

Pay As You Drive (PAYD) Cover

PAYD add-on cover makes you eligible to avail discount on the premium of Own Damage cover of the base policy opted for four-wheeler. It also offers you the option to top-up kilometres under the base policy by paying an additional premium. 

EV Shield Add-on Cover

This EV Shield add-on cover for electric cars in India will protect you and your vehicle against any loss or damage to the electrical panel for the vehicle charging point, vehicle charger including charging cable, and offer roadside assistance services specific to EVs.

Read more: Use Car Insurance Calculator to calculate the premium for your car insurance policy along with these add-ons.

 

But do note though, that these add-ons come at a negligible premium over and above your basic insurance policy, but trust us, it’s worth every penny.

After all, at the end of the day, you got to lose something to gain something, right😊!