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Discover the top five car insurance add-ons that can enhance your vehicle protection, minimise financial risks, and offer greater peace of mind while driving, especially in unpredictable conditions on Indian roads.
18 Jun 2025 | 227 Views | By Autocar Pro Branding Feature
Purchasing a vehicle insurance plan may seem an overwhelming process, but in actuality it is not. However, to protect your car thoroughly and from most threats it is important to consider add-ons. An add-on is an extra coverage that you buy while purchasing comprehensive insurance for your vehicle. These add-ons ...
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Purchasing a vehicle insurance plan may seem an overwhelming process, but in actuality it is not. However, to protect your car thoroughly and from most threats it is important to consider add-ons. An add-on is an extra coverage that you buy while purchasing comprehensive insurance for your vehicle. These add-ons help to further protect you from financial losses in case anything happens to your car.
So, to understand which add-ons will be better for your vehicle, read this guide.
Top 5 Car Insurance Add-ons for Your Vehicle Insurance Policy
There are various types of add-on options that different insurance providers offer with a comprehensive insurance plan. Each add-on serves a different purpose, and policyholders need to have a detailed idea about them to align with their requirements. So the details are discussed below:
Your car starts to depreciate as soon as you take it out of the showroom. And it depreciates up to 50% in mere 5 years. Now, when you make a claim, you will receive a depreciated value of parts only according to the rate of depreciation.
With a Zero Depreciation add-on, it helps to stop considering depreciation of your car for up to 5 years while making claims. This makes your insurer consider the original market value and helps you receive the full amount of your claim.
This add-on is beneficial for cases like stolen cars or a total loss of a car due to an accident. However, this is a rare case scenario, it can bring tremendous financial loss if it happens.
With this add-on, you will receive the full purchasing price of your car, including registration costs and road taxes. This will help you get a new car without spending much after losing your previous car.
Many insurance companies do not provide coverage for your vehicle’s engine. Normally, engines do not go bad. However, many cases, like flooding, can potentially damage the parts of your engine.
An Engine protection add-on can save you from the expensive alteration of counterparts and service costs. This can save you from future financial losses. With the presence of different digital insurance providers, such as ACKO Insurance, purchasing an appropriate plan with an engine protection add-on is quite simple.
It is possible that your car breaks down at a place where there are no service centres or petrol pumps around. In such cases, a roadside assistance add-on will get you emergency help when needed. However, read it in detail to know about the coverage of this add-on.
It is essential to opt for a tyre protection rider corresponding to India’s road conditions. Tyres are regarded as an essential component of the car, and the constant cost of repair can lead to significant expenses. By adding this rider option, you can drive without worry to any corner of the country, staying assured that your insurer will have your back in rescuing you from any uncertain events.
Importance of Add-ons for Vehicle Insurance
The reasons why add-ons are important for a vehicle insurance plan are discussed below:
● Enhanced Protection
Add-ons are noted to fill gaps in the niche of standard coverage by offering adequate protection against specific risks, maybe beyond the basic policy. An engine protection add-on encompasses engine damage due to water intrusion. This stays out of the basic policy.
● Customisation
If you have unique needs as well as risk profile, you can tailor your insurance plan by selecting the relevant ones.
● Financial Security
Zero depreciation under add-ons can help avoid losses related to depreciation, along with other add-ons handling costs in the form of personal belongings or consumables.
● Peace of Mind
Add-ons offer peace of mind by ensuring that you are better protected from unexpected situations like breakdowns or accidents.
● Cost Savings
Certain add-ons can aid in preventing unwanted expenses during repairs, like the consumables cost.
● Roadside Assistance
Roadside assistance add-ons can offer immediate assistance in case of a flat tyre or breakdown.
● Passenger Cover
Injured passengers due to accidents can receive financial support through add-ons.
● NCB Protection
Protecting your No Claim Bonus (NCB) during claims is done by these add-ons, facilitating you in maintaining the discount on premium.
Final Thoughts
Safety is never enough. The more you get it, the craving increases. Let’s be straight, you can actually feel safe for your car with Insurance add-ons. ‘Peace of mind’ comes from a combination of worry-free aspects. Thus, insurance add-ons are for you. It is high time to avail it today, as you never know what is waiting for you on the road tomorrow. Let’s be proactive and safe by making wise decisions.