🚘18 Add-ons Every Car Owner Must Knowr
Car insurance isn’t just about legal compliance — it’s about full protection. These add-ons help you customize your coverage for real-life needs.
✅ Must-Have Add-ons
Zero Depreciation Cover
Full claim without deductions for part wear and tear. Best for new cars.
Roadside Assistance
Emergency towing, jump-starts, flat tyre service — 24×7 support.
NCB Protection
Keep your no-claim bonus intact even after minor claims.
Engine Protection
Covers water ingression, oil leaks — ideal in flood-prone areas.
Consumables Cover
Includes engine oil, brake fluid, nuts, bolts — normally excluded.
Return to Invoice
Get full invoice value if your car is stolen or declared total loss.
Emergency Medical Expenses
Covers ambulance, first-aid, and emergency treatment post-accident.
Personal Accident Cover (Owner)
₹15 lakh cover for accidental death or disability. Mandatory by law.
PA Cover for Passengers
Financial protection for co-passengers during accidents.
Glass/Fibre/Plastic Repairs
Get these parts repaired without losing NCB (1 claim/year).
⏳ Nice-to-Have Add-ons
Daily Allowance
Pays for cab/commute costs while your car is being repaired.
Emergency Transport & Hotel
Covers stay/travel if you’re stranded post-accident.
Tyre Secure
Covers accidental tyre/tube damage — helpful on rough terrain.
Key Replacement
Lost or stolen car keys? Covers full replacement cost.
Loss of Personal Belongings
Covers items like bags, mobiles lost during accidents (excludes cash/jewelry).
Electrical Surge Cover (EVs)
Protects against battery overheating and short circuits in electric vehicles.
Vehicle Loan Protector
Covers outstanding car loan in case of death/disability.
Misfueling Cover
Pays for fuel drain and repairs if wrong fuel is added (limit ₹2,000).
💡 What Should You Pick?
Start with Zero Depreciation, Engine Protection, NCB Cover, Roadside Assistance. Add Return to Invoice for new cars. EV owners should include Electrical Surge Cover.
🧠 Why Add-ons Matter
✔ Fill real-world gaps in standard policies
✔ Reduce emergency repair costs
✔ Customize insurance to your lifestyle
