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You can Buy Insurance Policy From
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MaxBupa
Star
Royal Sundaram
Universal Sompo
Aditya Birla
Edelweiss
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ICICI Lombard
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HDI
DigitAcko etc
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What Is Car Insurance Add-ons Coverage?
Add-On Covers in Car Insurance - A car insurance add-on is an additional cover that can be opted with a comprehensive car insurance policy to strengthen the coverage and protection provided by a car insurance policy. There are multiple of add-ons that can be opted for with a comprehensive car insurance policy.
Types of Car Insurance Add-ons
The availability of car insurance add-ons varies from insurer to insure. The following are some car insurance add-on covers that are offered by most of the general insurance companies:
Zero Depreciation Add-on Cover
The amount of depreciation applicable on your car and its parts is deducted by the insurer from the claim amount at the time of a claim settlement. A zero depreciation cover helps you mitigate this burden of bearing the depreciation cost of your vehicle thereby increasing your claim amount. Most of the insurers allow a maximum of 2 zero depreciation claims, however, some insurers including IFFCO Tokio allow unlimited zero depreciation claims during the policy tenure.
Consumables Add-on Cover
This add-on provides coverage for consumable elements such as grease, air conditioner’s gas, lubricants clip, bearings, fuel filter, engine oil, oil filter, break oil, nut and bolt, screw, washers, etc, which are not covered in the standard policy.
GAP Value Add-on Cover
This add-on helps you get the complete invoice price of the vehicle in the event of theft, total loss or constructive total loss. It also covers the Road Tax and first time registration charges against an additional premium.
Roadside Assistance Add-on Cover
This add-on cover secures assistance services in the event of the breakdown of the insured vehicle. The services include towing to the nearest garage, on-site repair services, assistance in case of loss of keys, changing flat tyres, fuel delivery, etc.
Key Loss Add-on Cover
This add-on cover makes the insurance company liable to compensate the policyholder for the loss of key(s).
Passenger Assistance Add-on Cover
It is a bundled cover that includes Hospital Allowance, Medical Expenses and Medical Transport Assistance to the policyholder in the event of an accident.