Compare and buy Add-On cover the smarter way

Compare and buy Add-On cover the smarter way

  • Allow coverage against vehicle depreciation
  • Coverage against disabilities and death
  • Total protection of car engine
  • NCB discount can be retained

Ensure peace of mind
and 100% affordable.

Add on Covers

Car Add-ons - Additional coverage at little extra payment.

Additional coverage at little extra payment.

Car Add-ons - Range of add-ons available.

Range of add-ons available.

Car Add-ons - No claim bonus protection.

No claim bonus protection.

Car Add-ons - Numerous support to enhance car coverage.

Numerous support to enhance car coverage.

Add on covers in motor insurance is the additional coverage that is offered by insurance companies to the policyholders to enhance the coverage available to their car. So, they are the extra protection that an insured can avail along with their regular car insurance coverage by paying an additional premium amount.
These extra riders support the insured car and the policyholder to deal with different situations of car break down and mishaps etc. Protection such as roadside assistance, key replacement, etc. are some car insurance add-on covers.
Lets understand these car insurance add on covers in detail.

Add on Covers for Car and Four-Wheeler
What is add on cover in car or motor insurance

So, what is add on cover in car or motor insurance?

As discussed above, add-on cover in Car Insurance is an additional cover that a car owner who has a comprehensive or standalone car insurance policy can opt for to enhance the protection available with their car insurance policy. There are several add-ons available that a car insurance policy owner can buy along with their comprehensive car insurance without any restriction by simply paying nominal charges.

Top Car Insurance Add-On Covers Available in India

Here is a list of the top add on covers in motor insurance that you can avail along with your comprehensive car insurance plan. However, these add-ons might vary from one insurance provider to another.

Add-on cover of Consumables

Add-on cover of Consumables

Under this add on cover, the car insurance policyholder can get coverage for consumable parts which are normally not included under the standard car insurance policy. Some such consumables including Grease, Bearings, Break oil etc.

Add-on Cover of Roadside Assistance

Add-on Cover of Roadside Assistance

With this add on cover, you can seek assistance if any breakdown of the vehicle takes place on the roadside. So, under this add-on, you can have services like;

  • Towing to workshop
  • On-spot repair of your car
  • Support if you lose keys due to any reason
  • help in getting your car's flat tyre changed
  • Deliver Fuel if required, etc.
Zero Depreciation Add-on Cover

Zero Depreciation Add-on Cover

Under zero depreciation add on cover, the policyholder can reduce the depreciation cost of his/her car and enhance the claim. Insurers deduct the amount of depreciation applicable on your car from the claim amount while a claim is being settled. Insurers generally allow the policyholder to avail 2 claims of zero depreciation, though some of them might allow unlimited such claims.   

Add-on Cover to protect Engine

Add-on Cover to protect Engine

Under this cover, policyholders can get compensated against any mechanical as well as electrical car engine breakdown costs that might have appeared due to water ingression etc.

Add-on Cover for Key Loss

Add-on Cover for Key Loss

Under this add on, the insurer compensates the insured against car key loss.

Add-on Cover for Passenger Assistance

Add-on Cover for Passenger Assistance

This is a package that encompasses, medical costs, hospital costs, and medical transfer support to the insured if any accident takes place.

Add-on Cover for Tyre Damage

Add-on Cover for Tyre Damage

Under this cover you get coverage against damages like puncture of tyres, any damage on a tyre due to collision and so on.

Add-on cover on Return To Invoice

Add-on cover on Return To Invoice

NCB is the discount that a car insurance policyholder receives for each claim-free year. This add on cover lets you keep your NCB discount intact despite filing a claim during the last policy year.

Add-on cover on Protection of NCB

Add-on cover on Protection of NCB

NCB is the discount that a car insurance policyholder receives for each claim-free year. This add on cover lets you keep your NCB discount intact despite filing a claim during the last policy year.

Add-on cover for Loss of Personal Belongings

Add-on cover for Loss of Personal Belongings

This add on allows the insured to get compensation for loss of personal goods (things that can be used) in a car.

Add-on cover for Daily Allowance

Add-on cover for Daily Allowance

If you vehicle goes missing or is under repairs you can opt for daily allowance coverage under this add on.

Add-on Cover for Personal Laptop and Mobile

Add-on Cover for Personal Laptop and Mobile

With this add on you can seek compensation in case you lose your mobile or laptop from the car.

Add-on Cover for GAP Value

Add-on Cover for GAP Value

Here again, you can get the complete invoice price of your car if it gets stolen or in case of total loss. This add on also allows coverage against Road Tax and initial registration cost.

So, What are the Benefits of Add-on Cover in Motor or Car Insurance

Here are some of the benefits that you can enjoy with your car insurance add on cover:

YOU CAN GET COVERAGE AGAINST YOUR CAR’S DEPRECIATION

You can get coverage against your car’s depreciation

Depreciation means reduction in price of your car and its parts due to normal wear and tear that occurs with time. At the time of car insurance claim settlement, the insurance provider deducts the depreciation cost, which you need to bear. However, if you buy a zero depreciation add-on cover, you can easily avoid paying such cost and it will be paid by your insurer.

YOU CAN HAVE THE BENEFIT OF GETTING EMERGENCY ASSISTANCE

You can have the benefit of getting Emergency Assistance

The roadside assistance add on cover helps a policyholder to tackle any emergency situation such as breakdown of car that can emerge in the middle of nowhere. In such a case, you get support in the form of fixing flat tyre, arranging fuel, towing the damaged vehicle, repair of minor things on-spot, etc. So, with this add-on cover you will not be stranded in any such situation.

YOU CAN GET COMPLETE PROTECTION OF YOUR CAR'S ENGINE

You can get complete protection of your car's engine

The car’s engine is a major part of a vehicle and it is also very costly. With this add on, you can cover the damages caused to the engine of your car, which is generally not protected under the comprehensive plan.

YOU CAN GET COVERAGE AGAINST DISABILITIES AS WELL AS DEATH

You can get coverage against Disabilities as well as Death

If any mishap leads to the disability or death of the insured car's driver/owner, he/she can get coverage for the disability or their nominee can get compensation of up to 15 lakh rupees with the help of personal accident add-on cover.

YOU CAN RETAIN YOUR NCB DISCOUNT WITH ADD-ON COVER

You can retain Your NCB Discount with Add-on cover

NCB is the discount that car insurance policyholders receive for each claim-free year. However, if you make a claim for car insurance during the tenure of your policy, you lose your chance to avail NCB discount. But with NCB add on cover you can keep your NCB discount intact despite filing a claim during the last policy year.
So, now you are aware of what is add on cover in motor insurance as well as the benefits of add on covers to help you avail extensive coverage on your car insurance.


Frequently Asked Question

An add-on cover is the additional coverage that is offered by car insurance companies to the policyholders to enhance the coverage available to their car.

The average cost of motor add-on covers is nominal, which varies from policy to policy and from one insurance company to another.

Yes, you can go for multiple add-ons.

A key lost cover is an add on which allows the insured to get reimbursement for the cost of car key replacement in case it is stolen, damaged or is lost.

No, you cannot buy car insurance add-ons with a third party policy. They are available only with comprehensive and standalone own-damage car plans.

Engine protection cover supports an insured with protection against damages to the engine of the car or its parts that might cause a breakdown of any part of the engine like crankshaft, connecting rods, gearbox, cylinder, pistons, etc. Further damages to the engine because of water ingression, lubricant oil leakage, hydrostatic lock damage etc. are also covered under such an add on plan.

No. An add-on can be bought only with a car insurance policy including comprehensive and standalone own-damage car plans.

There is no limit to the number of add ons that you can buy.

Yes, you can buy car insurance add-ons online from the comfort of your home.

Yes, you can buy multiple add ons covers in a car insurance policy.

To buy a car insurance add-on online, you need to visit the official website of your car insurance provider and submit a few details. Next you can select the add on cover that you want to buy online and proceed with the payment.