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Add Ons For Motor Insurance
Oct 8, 2023

Opt for These Add-On Covers for Motor Insurance Along with Comprehensive Benefits

Purchasing a car is a major investment for everyone. The rising cost of cars and increasing fuel prices make cars a pricey purchase. Maintaining the car also costs a lot of money depending on the type of car you own. It is wise to insure your car with the help of motor insurance. It is a necessary expense for every car owner, but with so many different types of coverage available, it can be challenging to determine which options are necessary and which are not. One way to customize your policy to meet your specific needs is to add different add-ons to your insurance policy. In this article we will learn about the different types of add-ons and how to select them.

What Are the Different Types of Add-Ons?

Here are some of the most popular add-ons available for your motor insurance and their benefits:
  1. Personal Accident Cover

Personal Accident Cover is an add-on that provides financial protection to the policyholder in case of any injury, disability, or death, due to an accident involving the insured vehicle. This add-on can provide coverage for the driver and passengers in the vehicle, and can help to cover medical expenses, hospitalization costs, and even provide a lump sum payment in case of death or permanent disability.*
  1. Zero Depreciation Cover

A zero-depreciation cover is an add-on that ensures that the policyholder receives full reimbursement for the cost of car parts that need to be replaced after an accident, without considering any depreciation. This is especially useful for new or expensive cars, where the value of the car parts depreciates significantly after just a few years.*
  1. Engine Protector Cover

The engine is the heart of the car. Any problems with the functioning of the engine can result in your car being idle till it gets repaired. An engine protector cover is an add-on that provides coverage for damage to the car's engine due to waterlogging, oil leakage, or other mechanical failure. This add-on can be especially useful for cars that are used frequently in heavy rainfall or flood-prone areas, where the risk of water damage to the engine is high.*
  1. Roadside Assistance Cover

A roadside assistance cover is an add-on that provides 24/7 support to the policyholder in case of any breakdown, flat tyre, or other roadside emergency. This can include towing, fuel delivery, jump-starting a dead battery, and even minor repairs. This add-on can provide peace of mind to car owners who frequently travel long distances or have older vehicles.*
  1. No Claim Bonus (NCB) Protect Cover

An NCB Protect Cover is an add-on that protects the policyholder's No Claim Bonus (NCB) in case of a claim. In India, the NCB is a discount that is given to policyholders who do not make any claims during the policy period. This discount can range from 20% to 50% of the policy premium, depending on the number of claim-free years. With the NCB Protect Cover, the policyholder can make a claim without losing the NCB discount.*
  1. Consumables Cover

A Consumables Cover is an add-on that covers the cost of consumable items that need to be replaced after an accident. This includes items such as engine oil, coolant, brake oil, and other fluids, as well as items such as nuts, bolts, and screws. This add-on can help to reduce the out-of-pocket expenses for the policyholder after an accident.*
  1. Key Replacement Cover

A Key Replacement Cover is an add-on that covers the cost of replacing lost or stolen car keys. This can include the cost of the key itself, as well as the cost of reprogramming the key to work with the car's security system. This add-on can be especially useful for car owners who frequently misplace their keys or live in areas with a high risk of theft.*

How to Select Add-Ons?

Add-ons enhance the motor insurance coverage, but they also increase the cost of your comprehensive insurance. How to know which add-ons to select? If you use your car for daily commute, including add-ons such as zero-depreciation cover, NCB cover and roadside assistance can benefit you. The rising number of cars on road also increases the chances of accidents, which might involve your car. Additionally, you should include the personal accident cover if anything unfortunate were to happen in a car accident.*


Adding various add-ons to your car insurance policy can provide additional coverage and financial protection for your vehicle. When selecting add-ons, it is important to consider your specific needs and usage patterns, as well as the level of risk that you are willing to take on. You can use the motor insurance calculator to see how much the policy would cost you with the list of add-ons you wish to include in your policy.   *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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