Car Insurance Add-Ons For A Safe Journey

8 min read Posted on 25 May 2024

If you want to protect your car, you need to know that the basic policy often covers the essentials. However, such coverage is just not enough sometimes. Think of your car insurance policy as the foundation of a house. While it can provide the necessary protection, adding extra layers makes your coverage more robust and can give you greater peace of mind on the road. That’s where car insurance add-ons come into the picture.These add-ons enhance coverage and help protect you from unexpected expenses.

Whether you’re a daily commuter or an occasional road tripper, having the right add-ons added to your policy can make a world of difference in your overall driving experience. In this guide, we’ll take a closer look at various car insurance add-ons available in India. Let’s first understand what they do.

What are Car Insurance Add-On Covers?

Car insurance add-on covers are additional coverage benefits you can include in your standard car insurance policy. These are optional extras that give your vehicle more protection and peace of mind while you're on the road. Just like you might add extra toppings to your pizza, these add-ons allow you to tailor your insurance to fit your specific needs and preferences.

While your basic policy covers the essentials—like damages from accidents or theft—add-ons offer benefits that can be quite helpful in certain situations. For example, if you often find yourself on long drives, a roadside assistance add-on could save you from the headache of being stranded due to a flat tire or engine trouble.

List of Best Car Insurance Add-On Covers

There are various add-on covers available in the market that you can buy for your vehicle. However, all of them won't come in handy. We have a curated list of the best car insurance add-on covers to make your choice easier.

Zero Depreciation Cover: A car insurance policy with zero depreciation coverage aids in defending your vehicle against all physical harm without taking depreciation into account. The compensation is obtained after a standard depreciation deduction, even though a typical motor insurance policy protects you against losses accruing if your automobile is damaged or stolen when you submit for a claim settlement.

Engine Protection Cover: The cost of repairs or damage if the engine, the beating heart of your automobile, is damaged is covered by the engine protection cover, an add-on rider in insurance plans.

Roadside Assistance Cover: If the covered vehicle breaks down, help services are guaranteed by this add-on coverage. Towing to the closest garage is one of the services offered, along with on-site repairs, critical replacement help, fuel delivery, and aid with flat tyres. Therefore, roadside assistance cover is the best add on covers.

Tyre Damage Cover: A cost-effective insurance option is to purchase the tyre protection add-on function. This add-on cover will cover the cost related to any malfunctioning tyre. It is an important add-on, especially when going on a long road trip that will be hectic for your car tyres.

Consumable Cover: Consumables are necessary goods that must be renewed after use since they cannot be recycled. These include engine oil, lubricant, brake fluid, gearbox fluid, grease, bearings, nuts, bolts, and things like air conditioner gas.

Passenger Cover: On a long road trip, it is possible to get injured in a road accident or anything related. The policy's accident benefit is only available to the driver; the passengers are on their own. However, this coverage covers the passengers' medical costs, gives disability insurance, and provides financial support in a fatal automobile accident.

How to Buy Car Insurance Online?

The official website of the insurance provider and "RenewBuy.com" is where you may purchase a new motor insurance policy. The steps involved in getting new motor insurance coverage are as follows:

Buy From RenewBuy

• Go to RenewBuy's official website.
• Select "Car Insurance" from the menu.
• Complete the form.
• Choose the best car insurance policy by comparing available options.
• Click "Buy Now."
• You'll see the plan specifics and information on the extra passengers in a pop-up.
• Make the online payment, and the policy documents will be sent to your registered email address.

Buy From the Insurer's Official Website

• Visit the insurance company's official website and click on the "Car Insurance" section.
• Choose the car insurance policy.
• Complete all the necessary fields.
• Click the Buy button.
• Make the payment now.
• The insurance provider will email you a copy of the policy paperwork.

How to Include Car Insurance Add-Ons in Your Policy?

Here’re the steps you can follow to include those extra layers of coverage without any hassle:

Assess Your Needs

Take a good look at your driving habits and lifestyle. Consider factors like how often you drive, where you park your car, and any additional features or accessories you might have. This will help you identify which car insurance add-ons would be most beneficial for you.

Research Available Add-Ons

Each insurance provider offers different add-ons, which is why you need to do a bit of research. Check out the options your insurer provides and read about what each add-on covers.

Talk to Your Insurer

Once you’ve narrowed down the add-ons you want, reach out to your insurance provider. They can guide you through the process. Your insurer will be happy to explain how each add-on works and what it would mean for your premium.

You can usually add car insurance add-ons when you purchase a new policy or during the renewal process of your existing policy. You can adjust the coverage when your policy is up for renewal. This way, you can reassess your needs and choose the add-ons that best suit your current situation without any disruptions in coverage.

Get a Quote

After discussing your choices, ask for a quote that includes the add-ons you’re interested in. This will give you a clear idea of how much extra you'll need to pay. Keep in mind that while add-ons increase your premium, the added protection can save you money in the long run if something goes wrong.

Review Your Policy

Once you decide which add-ons you want to include, review your entire policy carefully before finalizing. Understand the terms and conditions, including any exclusions or limits on coverage.

Complete the Process

Pay the premium to proceed with the purchase. You’ll receive updated policy documents via email, outlining your new coverage details.

Bottom Line

Driving on the road can be dangerous at times, and it is important to be prepared for the worst. Buying car insurance add-ons will enhance your coverage as well as your safety. To buy the best car insurance, compare motor insurance online and choose accordingly.

Disclaimer: The information published in this article is for reader′s reference only. Content of this information is to provide an overview of your motor insurance needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice The makes no representations about the suitability, reliability, timeliness, and accuracy of the information, services, or any other items mentioned on this subject for any purpose whatsoever.