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Motor Insurance Add-On Covers in India
Nov 28, 2023

Motor Insurance Add-On Covers in India: A Comprehensive Guide

One of the signs of a developing and prosperous country is the ability of its citizens to purchase things they aspire the most. Along with a roof of their head, Indians may also aspire to own a four-wheeler or a two-wheeler. And when ones saves their hard-earned income to use it for such an expense, it is important to safeguard this expense from any perils that may befall it. The act of financial safeguarding can be made possible with the help of a motor insurance policy. While the policy offers financial support for repairs of damages caused due to accidents, you could expand this coverage with the help of add-ons. Here is more information for a better understanding of add-ons.

The Need For Motor Insurance

As cities expand and develop at a rapid pace, the influx of population also increases eventually. Often due to the lack or quick availability of public transport in such areas, people either prefer their own vehicle or purchase a new one. Such is the demand for new and used vehicles in India, that it has led to the rapid rise in the number of vehicles plying the Indian streets. This has also created a situation where the roads are always almost jam-packed, thus leading to more on-road accidents. To ensure that both you and your vehicle get proper compensation for any damages which may be caused to it, you should purchase motor insurance. The Motor Vehicles Act of 1988 mandates that every vehicle owner needs to have at least third-party liability insurance for their vehicle.

Motor Insurance Add-On Covers

If you are wondering about the types of add-ons you can include in your vehicle insurance policy, let’s take a look at some of them:

Zero Depreciation Cover

With time, the market value of a vehicle starts to depreciate, i.e., starts to reduce. There is a certain percentage level of depreciation based on the age of the vehicle. This percentage is taken into consideration at the time of claim settlement. This means that if your car is older, the compensation amount that you receive may be lower than expected. Hence, to avoid such situations, you can include this cover in your policy. For example, if you were to file claim on your car insurance, the zero depreciation car insurance cover will ensure that the depreciation of your car is not considered during the calculation of the claim amount (meaning, you will receive full compensation). Claims are subject to terms and conditions set forth under motor insurance policy.*

No-Claim Bonus Protection Cover

Motor insurers provide a bonus to the policyholders in the form a reduced premium on the renewal of their policy. This bonus is offered if the policyholder does not file a claim during the tenure of the policy. Filing a claim leads to the loss of this bonus. But with the NCB protection, your bonus remains safe even if you were to file a claim during the policy tenure. Claims are subject to terms and conditions set forth under motor insurance policy.*

Roadside Assistance Cover

As the name suggests, this cover provides you with roadside assistance in the event where your vehicle stops functioning in the middle of the road. Be it flat tyre or low fuel and battery problems, you are provided with assistance under this cover. It is important to remember that some of the services offered in this add-on are free of cost, while some are chargeable. Claims are subject to terms and conditions set forth under motor insurance policy.*

Consumables Cover

Your vehicle, such as a car, might require constant maintenance due to the regular wear and tear it faces. This can lead to a frequent change of parts in your car. If you own a car insurance policy, consumables such as engine oil, lubricants, and other parts might not be covered by the policy, thus forcing you to pay out of pocket for these expenses. With the consumable cover add-on, these expenses are covered by the policy. Claims are subject to terms and conditions set forth under motor insurance policy.*

Engine Protection Cover

Engine is the heart of any vehicle. Any damage caused to the engine can severely hamper the functioning of the vehicle. Getting such a damage repaired can cost a lot. To avoid such a massive expense, you can ensure that your policy covers it with the help of engine protection cover. Whatever the damage caused to the engine, this add-on will cover the expense. Claims are subject to terms and conditions set forth under motor insurance policy.*


By including these add-ons in your policy, you can reduce the burden on your pocket and make the most of your policy. If you own a car and looking to purchase a new policy, you can take the assistance of the car insurance calculator to see how much your policy would cost.   *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.

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