By paying a small additional premium amount, policyholders can obtain the add-on covers, which provide greater insurance coverage. The policy coverage extension makes it easier for the automobile owner to handle a variety of problems. Roadside assistance, key replacement, return to invoice, and other services are some of the add on in car insurance.

What isAdd on Coverage In Car Insurance?


An add-on cover is a supplemental coverage benefit provided by the insurer to the policyholder to enhance the coverage of his or her vehicle in the context of car insurance. Over and above the basic policy coverage, it aids a car owner in enhancing the financial security of a vehicle.

Add-on covers are more expensive because they extend an insured vehicle's coverage in more ways. A car owner must pay an additional premium amount to add-on coverage to his or her car insurance policy. As a result, adding additional coverage will raise your car insurance price.

However, only standalone own-damage vehicle insurance policies or comprehensive car insurance offer add-on insurance coverage. A third-party automobile insurance coverage does not cover it. This occurs because third-party car insurance only covers accidents or losses to third parties; it does not pay for the covered vehicle's own damages. Therefore, purchasing additional third-party insurance covers is pointless.

Different Add-On Cover Types Available for Car Insurance


Car Insurance Companies in India provide a variety of add-on car insurance policies. Here are some examples of the numerous add-on coverage options available under a comprehensive or standalone own-damage car insurance policy:


Free Coverage with Zero Depreciation cover, a car owner can make a larger claim because the cost of depreciation on the vehicle's components is shared. It makes sure that while paying the claim amount at the time of claim settlement, the cost of depreciation is not subtracted. This supplemental insurance, also referred to as bumper-to-bumper or nil depreciation, is typically offered for vehicles under five years old. Additionally, some insurers may only accept a maximum of two zero depreciation claims, but others may permit an unlimited number.

2.Engine Protection Cover

Any loss or damage to the car's engine resulting from problems like water intrusion, oil leak, electrical or mechanical failure of the engine, etc. is covered by the engine protection cover. Additionally, it offers financial assistance for the engine or component replacement of the vehicle. The engine protection insurance, however, is only offered to vehicles that are less than five years old, much like the zero-depreciation cover.

3.No Claim Bonus Insurance Coverage

The NCB of a car owner is protected by a No Claim Bonus Protection insurance even if they file a claim. Even if the car owner files a claim from the prior policy year, it maintains the NCB. Using the NCB, car owners can lower their premiums whether or not a claim was filed. It should be noted that the NCB protection cover only applies to the own-damage premium because the IRDA, or Insurance Regulatory & Development Authority of India, determines the third-party portion of the overall premium and it cannot be changed.

4.Cover for Roadside Assistance

In the event that the covered vehicle breaks down in the middle of the road, a roadside assistance policy covers any on-road assistance services for the car owner. A mechanic is sent to look at the car and offer assistance with just a phone call to the insurance company. Change a flat tyre, perform basic on-site repairs, arrange for replacement car keys, jump start a battery, tow a car, supply gasoline is some of the help services included by this car insurance add-on plan.

5.Return to Invoice Cover

Even in the event of a catastrophic loss, the insured car's depreciation over the years will prevent the owner from receiving the invoice value. This is where the Return to Invoice add-on cover can help.

In the case of a total loss, constructive total loss, or theft of the vehicle, the Return to Invoice cover enables the vehicle owner to obtain the invoice value of the vehicle as the claim amount. The IDV of a car is fixed at the price at which the car was acquired with this add-on cover. A car owner can therefore receive a larger claim sum with this coverage.

6.Cover for Daily Allowance

In the event that the insured car needs to be fixed at a garage, the Daily Allowance Cover add-on insurance policy pays for daily travel expenditures. It reimburses the car owner for any costs incurred while the car was at the network garage to rent a car or take public transportation. This supplemental coverage, however, is only applicable if the covered vehicle is being fixed at one of the motor insurance provider's network garages.

7.Customer Cover

Unfortunately, the passenger's medical expenditures are not covered by the personal accident coverage offered by a standard car insurance policy. At this point, "Passenger Cover" enters the scene. In the event of an accident, the passenger policy car insurance add-on cover will pay for any medical costs incurred by the occupants of the insured vehicle. It includes the cost of hospitalisation, medical care, and ambulance fees. Additionally, it offers compensation in the event that an accident leaves a passenger disabled or dead.

8.Consumables Cover

The Consumable Cover is a supplemental insurance policy that pays for consumables used in an insured vehicle during repairs. All consumables that were used while the automobile was being fixed are covered. Nuts and bolts, lubricants, washers, grease, brake fluid, oil filters, screws, bearings, etc. may be among them. However, even this supplemental cover is not offered for vehicles older than five years.

9.Wheel Protect Cover

If the damage or tyre loss is not the result of an accident, the car insurance provider will not cover it. The owner of the vehicle is responsible for paying the cost of tyre replacement or repair. The "Tyre Protect" cover can be useful in this situation. Any costs incurred for the replacement or repair of the insured car's tyres are covered by the Tyre Protect coverage. It makes sure that the car insurance provider covers tyre damages like a puncture, in-tyre bulge, tyre cut, tyre bursting, etc.

10.Replacement Key Cover

The cost of replacing lost or stolen car keys that were the result of theft, a break-in, or any other damage is not covered by a typical car insurance policy. However, with a "Key Replacement" cover, that is not the case.

A key replacement cover is an add on covers in motor insurance that pays for any costs associated with replacing the covered car's keys. In the event that the keys are misplaced, stolen, or broken, it also covers the cost of fixing the lock system of the vehicle.

11.Loss of Personal Property Insurance

The Loss of Personal Belongings policy, an optional coverage, provides reimbursement for any personal things lost or stolen from the covered vehicle or from the vehicle itself. It also covers any damage to the inside of the car's personal property. It includes a variety of personal objects, such as electrical devices.



Q1. What is add on in car insurance?

Add-ons, as the name implies, provide additional protection for the vehicle and can help you extend the benefits of your fundamental auto insurance policy. Roadside assistance coverage, engine protection coverage, passenger coverage, tyre protection coverage, etc. are a few examples of common add on covers in motor insurance.

Q2. Are car insurance add-ons purchased or free?

Add on in car insurance are not free. They can be purchased by a policyholder with their fundamental auto insurance plan for a small fee.

Q3. Can I choose more than one add on in car insurance?

Yes, you can choose from a variety of add on covers in motor insurance policy.

Q4. Can I add on to my third-party car insurance policy?

No, a third-party policy cannot be used to purchase add on coverage in car insurance. Only comprehensive and standalone own-damage auto insurance plans offer add-ons.

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