Add-on covers are additional benefits that enhance your car insurance policy, offering greater protection for your vehicle. Tata AIG provides a selection of 19 add-ons for you to consider:
- Zero Depreciation Cover
- Reimburses the full sum insured without deductions for depreciation on car parts during claims.
- Available for the first two claims.
- Applicable only to own-damage or comprehensive car insurance policies.
- Roadside Assistance Cover
- Offers 24/7 breakdown assistance if your car fails in a remote location.
- Services include refueling, towing, or mechanical help during emergencies.
- No Claim Bonus (NCB) Protection
- Allows policyholders to file a limited number of claims while retaining their NCB discount.
- Only available with comprehensive car insurance policies.
- Engine Protection Cover
- Covers the repair or replacement of your car’s engine, especially useful in flood-prone areas.
- Not included in standard comprehensive insurance policies.
- Consumables Cover
- Covers the replacement costs of consumables like engine oil, air conditioner gas, and filters due to accidents.
- Excludes fuel costs.
- Compulsory Personal Accident Cover (Owner-Driver)
- Provides compensation up to ₹15 lakhs for disability or death due to an accident involving the insured car.
- Personal Accident Cover for Passengers
- Offers additional coverage for co-passengers in case of accidents.
- Compensation amount can go up to ₹X.
- Repair of Glass, Fibre, and Plastic Parts
- Covers repair costs for damaged glass and plastic parts without affecting your NCB discount.
- Limited to one claim per policy year.
- Daily Allowance
- Provides a daily amount to cover travel expenses if your car is in the garage after an accident, for a duration of 10-15 days.
- Emergency Transport and Hotel Expenses
- Covers overnight accommodation and travel costs if you cannot reach your destination after an accident.
- Tyre Secure
- Covers repair or replacement costs for damaged tyres or tubes resulting from an accident.
- Key Replacement
- Covers expenses for replacing lost car keys in case of theft.
- Loss of Personal Belongings
- Covers loss or damage of personal items in an accident, excluding valuables like money or jewelry.
- Return to Invoice
- Covers the depreciation difference between the purchase price and compensation in case of total loss due to theft or damage.
- Includes reimbursement for registration charges and road tax.
- Emergency Medical Expenses
- Provides financial support for medical emergencies for the driver or passengers due to an accident, including ambulance costs and support items.
- Electrical Surge Cover for Electric Cars
- Offers compensation for damage due to electrical issues, such as self-heating or short circuits in electric vehicles.
- Vehicle Loan Protector
- Assists in paying off the car loan if the policyholder dies or is permanently disabled due to an accident.
- Misfueling Cover
- Provides support for repairs and flushing out contaminated fuel, with compensation up to ₹2000 for misfueling incidents.
These add-ons can significantly enhance your car insurance policy, providing tailored protection to meet your specific needs.
