What is an Add-on Cover in Car Insurance?

Types of Add-ons Covers Available

• Zero Depreciation Cover

  It covers offsets of any depreciation made at the time of vehicle repair. The older the parts, the higher the depreciation. This add-on will ensure that your claim amount will remain unchanged by any depreciation costs.

• Return to Invoice

  If the total is declared, the insurers will pay the required amount confirmed in the invoice.

• Roadside assistance

  In case of an accident or breakdown it will provide you an immediate assistance such as towing to the nearest garage, battery jumpstarts, minor repairs, on-call support, and taxi benefits.

• Engine protection cover

  This covers safeguards your engine from unexpected damages due to water ingression or lubricant leakage.

• Consumables cover

  Any item/substance of insured vehicle which is not damaged in an accident and has limited life or has been consumed during the usage and seems to be unfit for reuse and needs replacement to complete vehicle repair like nuts-bolts-screws, oil, fluid, coolant, washers and items, excluding fuel are covered in this add-on.

• Personal Accident cover

  It is mandatory to have a personal accident cover as per law. It provides coverage for any bodily injury or death of the owner-driver in case of an unfortunate accident.

• Key Replacement cover

  In case your keys get stolen/misplaced, this add-on will cover all your cost of getting a replacement key.

• Daily Reimbursement

  It offers to pay a daily reimbursement to help meet the cost of hired transport while vehicle is under repair in consequence of valid claim for covered peril.

• Emergency transport and hotel expenses reimbursement

  In case of emergency travel/hotel expense, this add-on with car insurance will cover the cost of overnight stay along with taxi charges.

• Personal Accident cover for unnamed passenger

  This covers the passengers travelling in your car, even if their names are not specified in the policy.

• Personal belongings cover

  Personal belongings for the purpose of this section means items such as clothes and articles of personal nature are likely to be worn, used or carried and includes audio/visual tapes, CDs but exclude money, securities, cheques, bank drafts, credit or debit cards, jewellery, lens, glasses, travel tickets, watches and valuables.

• Motor Protect Cover

  In case of any motor accident arising out of the use of the Insured Vehicle, this add-on cover will provide you an advocate to guide and/or defend you from police and proceedings in the court of judicial magistrate only.