How to Choose the Right Add-On Covers for Your Car Insurance?

To choose the right car insurance add-ons, consider your car’s age and value, your needs, compare different options, and review your existing policy. A car insurance add-on extends the scope of your existing policy. It is important since ordinary car insurance policies may have certain limitations.

Continue reading to know how to choose the right car insurance add-on and have a look at some common options.

What are Car Insurance Add-Ons in India?

Car insurance add-ons are supplemental coverages that can extend the scope of your original insurance policy. Although a regular policy offers basic car insurance coverage, it excludes some practical charges associated with high-impact automotive damage and repairs. Add-ons are intended to address the coverage gap.

However, you cannot choose add-on coverage with a third-party vehicle insurance plan. Add-ons are only available for comprehensive and own damage car insurance. For example, if your automobile engine is damaged due to waterlogging, a regular insurance policy may not cover it. In this case, an engine protection add-on will cover it.

Why Do You Need Add-On Covers for Car Insurance?

Most auto insurance policies in India may have certain limits. For example, depreciation is subtracted from claim settlements and consumable products are removed, among other adjustments.

Car insurance add-ons assist in overcoming these limitations. They guarantee that your financial burden is lowered at the time of claim, so you are not surprised by previously unknown exclusions. If you want to be prepared for unforeseen circumstances, you need the right add-ons.

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What are the Factors to Consider While Choosing the Best Car Insurance Add-Ons?

While choosing the right car insurance add-ons, you need to consider the factors below:

The Age and the Value of Your Car

You should choose car insurance add-ons by considering your car's age and value. If you own new or high-value vehicles, you will profit the most from return-to-invoice and zero-depreciation coverage. These similar add-ons will offer minimal value to older vehicles. Choose coverages that feel more practical and cost-effective.

Your Needs

Assess your driving patterns, vehicle usage, and possible risks. For example, you may benefit from a roadside assistance add-on if you are a long-distance driver. However, if you have high-end accessories, then you may need electrical accessories coverage.

Review Your Policy

Before purchasing any add-ons, look at your current auto insurance coverage. Look at what has been previously covered and what its limitations are. Understanding your present coverage will allow you to discover particular gaps that add-ons may fill.

Driving Condition and Location

Your surroundings have an important part in deciding whether add-ons are beneficial. If you reside in a flood-prone location or have significant waterlogging in your area during the monsoon season, an engine protection cover is important.

Upgrade your car insurance policy with the appropriate add-ons to get the best protection for your vehicle. Explore flexible options from Bajaj General Insurance and drive confidently!

Car Insurance Add-Ons List

Engine Protection Cover

Fixing or replacing your engine may be quite costly. Normal coverage frequently does not cover engine damage caused by water entering the engine or oil leaks. This add-on is particularly designed to safeguard your engine from such harm.

Zero Depreciation Cover

The zero depreciation cover is the most popular and widely ordered add-on. Typically, insurers subtract depreciation on automobile components when determining the claim amount. As a consequence, policyholders are left with an insufficient or lower-than-expected amount, forcing them to cover the remainder out of pocket.

However, with zero depreciation coverage, no depreciation is taken from the claim amount. If you recently purchased a new car and want full reimbursement for repair costs, you should purchase this add-on.

Roadside Assistance Cover

Roadside assistance coverage offers assistance if your vehicle breaks down, gets a flat tyre, or runs out of gas. This add-on is ideal for regular travellers and long-distance drivers.

Key Replacement Cover

You may protect yourself from the financial consequences by getting a key replacement cover if you have a habit of losing keys. This car insurance add-on covers locksmith services and key system reprogramming, as well as the replacement of electronic fobs.

Tyre Protection Cover

A tyre protection insurance cover provides financial protection against damage to your vehicle's tyres. It covers maintenance or replacement charges to keep your tyres in good condition and your car safe on the road.

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Final Word

A regular policy will rarely give the vehicle insurance coverage you want. To receive the specific coverage you want, you will need to purchase car insurance add-ons. If you want to enhance your car's coverage, you can select one or more add-ons from the above list, based on your needs.

Discover personalised car insurance add-ons from Bajaj General Insurance to boost your insurance benefits now!

Frequently Asked Questions

How do I choose the right car insurance?

To choose the right car insurance add-ons, you need to consider the age and value of your car, your needs, your existing policy, driving conditions, and so on.

Which add-ons are important in car insurance?

You need to buy car insurance add-ons depending on many factors. However, some of the must-have add-ons in car insurance are engine protection cover, zero depreciation cover, roadside assistance cover, and tyre protection cover.

Is it required to purchase add-on coverage with car insurance policies?

No, it is not mandatory to purchase add-on coverage with car insurance. However, you can pick them if you want more tailored coverage.

Can I add new add-on coverages during policy renewal?

Yes, you can add new coverage during policy renewal. In fact, the policy renewal period is the ideal opportunity to add or eliminate add-on coverage depending on your current needs.

Can I select multiple add-ons for car insurance?

Yes, you may customise your car insurance coverage by selecting from a variety of add-ons. This lets you better tailor your coverage to your unique needs while providing complete protection for your car.

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Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.