When you purchase a car, you need to ensure that it has adequate protection from unforeseen circumstances. A comprehensive four wheeler insurance policy offers protection from damages to your car and third-party person and property due to an accident or mishap. When you decide to buy car insurance, you need to be sure about the features you need in it. Also, many providers offer add-on covers that can help you customise the policy as per your requirements. Today, we will offer a list of five insurance add-ons that can allow you to drive with peace of mind.

5 Car Insurance Add-Ons That Allow You to Have Peace of Mind

Here are the five car insurance add-ons that you need:

• Engine Protect Cover

The engine is the most important part of a car. However, most car insurance companies in India don’t offer comprehensive coverage for engine damages. If you are concerned about the repair costs for engine damages or own an expensive car where the cost of repairs is very high, then you must consider opting for an Engine Protect Cover.

This cover manages the costs associated with damage to gear-box parts and engine parts. However, before buying this cover, it is important to remember that there are certain exclusions where the policy does not offer coverage. Make sure that you go through the terms and conditions carefully before purchasing the add-on.

• Zero Depreciation Cover

As soon as a car leaves the showroom, its value starts depreciating. As it ages, its value drops significantly. When you file a claim for damages or repairs, the insurer factors in depreciation and calculates the claim amount. For older cars, this can mean a huge drop in the amount reimbursed.

When you buy a Zero Depreciation Cover, the insurer offers reimbursement without taking depreciation into consideration. Hence, you don’t have to worry about bearing a part of the expenses.

• Roadside Assistance Cover

If you like long drives, alone or with family, then you need to be prepared to manage a car break-down in the middle of the road. If your car breaks down near a highway where there is no garage or mechanic around, then you can be stranded for a long time.

So, when you buy online car insurance, opt for a Roadside Assistance Cover. With this cover, the insurer offers assistance in situations like tyre change, refuelling, mechanic and towing services, and a range of other services that can help you manage such breakdowns with ease.

• Personal Accident Cover

Driving a car is risky and with increasing instances of accidents, car owners and drivers need to ensure that they are financially protected if any such accident results in severe injuries or disability. Therefore, having personal accident add-on coverage in car insurance becomes crucial.

A Personal Accident Cover offers coverage in such situations. If the policyholder suffers from partial or complete disability due to an accident, then the insurer offers a lump sum to the policyholder or the nominee to manage the costs of treatment and make up for the loss of income. In India, it is mandatory for all vehicle owners to have a minimum Personal Accident Cover of Rs.15 lakhs.

• Personal Belongings Cover

When you travel in your car, you might carry your smartphone, laptop, jewellery, and various other expensive belongings. If the car meets with an accident, then these items can get damaged to the extent of being beyond repair. Regular car insurance policies do not offer coverage for the damage or loss of personal belongings in the car at the time of the accident.

If you buy a Personal Belongings Cover, the insurer offers coverage for your personal belongings from theft and damages. However, if the loss or damage is due to your negligence, then the insurer will not provide coverage.

Summing Up

While a comprehensive car insurance policy can help you get coverage for your car along with the mandatory third-party liability cover, add-ons in car insurance can help you customise it to suit your specific requirements. However, add-on covers are not free. Hence, before you buy a policy, make sure that you use an online car insurance calculator and create a customised policy for your needs. Good Luck!