Explore Car Insurance Add-On Covers in India with Quickinsure

In today's fast-paced world, having the right car insurance coverage is crucial to ensure your peace of mind while on the road. While basic car insurance policies offer standard protection, add-on covers serve as an extra layer of security, tailored to meet specific needs and situations. In this article, we delve into the car insurance add-on covers in India, exploring what they are and the different types available.

What is Add-On Coverage in Car Insurance?

Add-on covers, also known as riders or endorsements, are supplementary insurance options that can be included with your standard car insurance policy. They provide additional protection and enhance your coverage beyond what a basic policy offers. These add-ons are designed to address specific risks and uncertainties that are not typically covered by standard insurance plans.

Different Add-On Cover Types Available for Car Insurance:

Zero Depreciation Cover:

One of the most popular add-ons, the zero depreciation cover ensures that you receive the entire cost of car parts replaced during repairs, without factoring in depreciation. This is particularly beneficial for new cars, as it covers the full replacement cost of damaged parts.

Roadside Assistance Cover:

This add-on offers 24/7 assistance in case of breakdowns, flat tires, empty fuel tanks, or any other emergencies on the road. It provides services such as towing, minor repairs, and even arranging for a taxi, ensuring you’re never stranded.

Engine Protection Cover:

Car engines are often vulnerable to damage due to accidents or water ingression during floods. Engine protection safeguards you financially by covering the repair or replacement costs of your car's engine and its parts.

No Claim Bonus (NCB) Protector:

NCB Protector ensures that you retain your hard-earned No Claim Bonus even if you make a claim during the policy period. This add-on allows you to make a specified number of claims without affecting your NCB, ultimately leading to reduced premiums in subsequent years.

Personal Accident Cover for Passengers:

While a standard car insurance policy includes personal accident cover for the owner-driver, this add-on extends the coverage to passengers as well. It provides financial support in case of accidental injury or death to the occupants of the insured car.

Consumables Cover:

This cover reimburses the expenses incurred on consumables such as nuts, bolts, engine oil, etc., which are generally not included in a standard policy. Including this add-on ensures a comprehensive coverage for your vehicle.

Return to Invoice Cover:

In the unfortunate event of your car being declared a total loss, the return to invoice covers the gap between the insured declared value (IDV) and the original invoice value of the vehicle. This ensures you receive the original amount you paid for your car, minimizing financial losses.

In conclusion, add-on covers are indispensable for customizing your car insurance policy to match your unique requirements. By carefully selecting the right add-ons, you can enjoy enhanced protection and greater peace of mind while navigating the bustling roads of India. Before purchasing a car insurance policy online, it’s essential to evaluate your needs and choose the add-on covers that best suit your lifestyle and driving habits. Stay protected, stay secure!

Remember, a well-rounded car insurance policy with the right add-ons is your ticket to worry-free drives and a secure automotive future. Don’t compromise on your car's safety! Ensure your vehicle is protected with the right insurance coverage. Get started today with Quickinsure and make an informed decision about your car insurance.