5 Car Insurance Add On Covers That Will Save Your Money

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Add-on covers provide additional protection for your vehicle along with your base four wheeler insurance policy. It assists you in dealing with unexpected situations such as accidents, car breakdowns, engine problems, and many others.

As previously stated, car insurance add-ons provide additional protection and are standalone rider policies. You can start with basic car insurance and add-on policies for extra coverage. You can also purchase multiple add-ons at the same time.

Do you know what is covered in your car insurance policy? Here are some of the most essential car insurance add-on covers that may protect your vehicle in the event of an accident.

Car insurance add-ons that are cost effective –

1. Reimbursement for depreciation:

It is the most frequently recommended add-on feature, allowing you to claim the total car insurance prices of replacing car parts damaged in accidents without paying out of pocket. A Zero Depreciation add-on feature is typically valid for five years from the date of purchase of the car, with a maximum of two claims allowed during the policy period.

2. Roadside service:

If a car breaks down, this handy add-on provides certain round-the-clock services such as refuelling, towing, changing a flat tyre, battery-related technical problems, arranging for a mechanic’s services, and so on. In such a case, the company can dispatch assistance wherever you are.

If you are stranded in a remote location, you may also be eligible for taxi service, help in arranging emergency accommodation, and other utility benefits.

3. Engine safety:

This add-on can be helpful for owners of new cars, particularly high-end vehicles up to three years old. It covers even engine repairs that are not the result of an accident. It could be beneficial for those who live in flood-prone areas where frequent waterlogging increases the likelihood of engine damage during the monsoon.

It comes at an additional cost, but it is well worth it. It is convenient to find the premium rates of selected riders or benefits by evaluating the same with online car insurance premium calculator.

4. NCB Security:

When you go an entire policy year without filing a car insurance claim, you earn a No Claim Bonus (NCB)*. You reach specific NCB* slabs each year, with a maximum limit of 50%. With this add-on coverage, you can file claims for losses such as windscreen glass repair or replacement, accessories or total vehicle theft, and complete vehicle loss.

The NCB* protection cover can cover your first two claims.

5. Consumables protection

Small consumable expenses such as screws, nuts and bolts, oils, and so on are not covered by standard four wheeler insurance policies, and you can be responsible for the cost if they need to be repaired or replaced.

However, with this add-on, your insurer would pay you for the value of such consumables. Because the cost of consumables in high-end cars is much higher, it is advisable to purchase this to avoid such expenses. Vehicles older than three years are generally ineligible for this add-on coverage.


Your monthly payments for car insurance can be reduced if you take advantage of some of the many choices that are available to you. Although it can take some time, the potential cost reductions make it worthwhile in the long run. Ensure to keep a record of the coverages provided and the premiums quoted by companies you speak with so that you can compare the policies objectively and determine which one offers the ideal value.

‘Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘

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