You always dreamt of buying that shiny, brand new car for yourself! Finally, it’s yours and you want to take it for a drive. Don’t forget the car insurance! It’s the most important thing that needs to be bought after you have bought your dream machine. There are certain add ons too that you need to consider. Let’s take a look at the example below to understand this further:
Purnesh Bhattacharya lives in Mumbai which is a flood prone area. He bought his new car in the monsoon season and his car’s engine got damaged due to water logging in his area. Thankfully he had an add on cover of Engine Protector that covers any damage which happens to your car’s engine due to water ingression, leakage of oil etc. Kindly note, such damages are not covered under the warranty period of the manufacturer and in this case add ons help.
Keeping the above example in mind, these days getting a car insurance in India
is not enough, you also need to get add on covers for a comprehensive protection of the car. Read on to find out about the add-on covers that might be useful for you.
24x7 Roadside Assistance:
In case of a breakdown or accident, roadside assistance will offer towing to the nearest service center or operating garage. Along with this, it also covers the labour charges involved in towing the damaged vehicle to the service center. Along with towing, 24x7 Road Assistance will arrange for minor repairing services that can be carried out on the spot to get your car going. If your car suffers a flat tyre while you are on the road, the add-on cover will help arrange for a repair. If your car suffers a breakdown due to a flat battery, the insurer will arrange for jump start for the car battery.
While a zero depreciation car insurance
cover is suitable for any car, it is a must for expensive cars. It gives you the benefit to receive the full claim after an accident without any deduction for depreciation of the replaced auto parts. It is a full settlement coverage which does not charge anything for the depreciated parts. In a regular car insurance policy, claim amount is calculated basis the value of the car, which includes depreciation. Many car owners are opting for this cover to get optimum benefits from one policy.
As mentioned in the example above, an engine is often described as the most important part of a vehicle. Usually, damages to the engine are not covered under a comprehensive car insurance
policy. Your vehicle’s engine will be insured against damages due to flooding, consequential losses etc. with the Engine protector add-on.
Key and lock replacement cover:
If your key is lost, it will be covered up to sum insured mentioned in policy only once in policy period and FIR is mandatory. Terms and condition are applicable for deduction and assessment.
Accidents cause physical damages to your car. They can also leave emotional scars. And sometimes, more than that - they can cause injuries to you, your driver, another person or even your family and friends who might be riding in the car with you.
But you can protect yourself, at least financially, from such unfortunate incidents by adding an Accident shield cover to your car insurance.
Consumables expense cover:
You can buy this add on in case you want to seek compensation for money spent on nuts and bolts, screen washers, engine oil, bearings and so on, in case your car meets with an accident. The insurer will pay you for the value of such consumables, which are otherwise excluded from the claim amount under standard motor insurance.
So if you are planning to buy your dream car or have bought one, don’t forget to buy a car insurance policy that will give you 24x7 assistance, easy claim process and option to avail add-on covers. Bajaj Allianz offers a comprehensive Car Insurance Policy that will give you all the benefits and will keep you and your car safe too. So what are you waiting for? Get Bajaj Allianz Car Insurance Policy today!
*Standard T&C apply
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.