Best Insurance Add-Ons for Cars 🚗🛡️

A standard car insurance policy provides important protection, but add-ons can provide extra coverage for specific situations. Add-ons are optional and usually come with an additional premium.

Here are some commonly available car insurance add-ons to understand before renewing your policy.

1. Zero Depreciation Cover

With Zero Depreciation, depreciation deductions on eligible parts may be reduced or avoided when settling a covered claim, subject to policy terms. It can be useful for newer vehicles.

2. Roadside Assistance

Roadside Assistance can help when your car breaks down or you face certain roadside problems. Services may include towing, battery assistance, flat-tyre help, or emergency support, depending on the plan.

3. Engine Protection Cover

Engine-related damage may not be covered under every standard policy. Engine Protection can provide additional protection for specified engine or gearbox-related losses, subject to exclusions and conditions.

4. Return to Invoice

Return to Invoice (RTI) may help bridge the difference between the vehicle's insured value and certain original invoice-related amounts in cases such as total loss or theft, subject to eligibility and policy conditions.

5. Consumables Cover

This add-on may cover eligible consumable items used during repairs, such as nuts, bolts, lubricants, and certain fluids, depending on the policy.

Which Add-On Should You Choose?

There is no single add-on suitable for every driver. Consider your car's age, usage, location, vehicle value, driving habits and budget.

Before purchasing, compare the premium, coverage, exclusions, deductibles and claim conditions.

Nitya Vehicle Insurance – Ahmedabad
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Disclaimer: Add-on availability, eligibility and coverage vary by insurer and policy. Always check the policy wording before purchase.