Buying motor insurance isn’t just about fulfilling a legal requirement — it’s about protecting your vehicle and savings from unexpected events. While a comprehensive policy gives solid coverage, adding the right add-ons can significantly boost your protection. At VehicleInsurance.co.in, we help you compare plans with the most beneficial add-ons — and you even earn cashback on your policy purchases.
What Are Insurance Add-Ons?
Add-ons are optional features that can be included in your motor insurance policy for an additional premium. These extras offer tailored protection based on how you use your vehicle, your location, or the kind of risks you want to avoid.
Top Add-Ons Worth Considering
1. Zero Depreciation Cover
Also known as Zero Dep, this add-on ensures you receive the full claim amount without deductions for depreciation on parts like plastic, rubber, or metal. It’s especially valuable for new cars and bikes under 5 years old.
2. Roadside Assistance
Stranded due to a flat tire or dead battery? This add-on covers towing, fuel delivery, jumpstarts, and minor repairs. Ideal for frequent travelers or long-distance commuters.
3. Engine Protection Cover
Standard policies don’t always cover engine damage due to waterlogging or oil leakage. With this add-on, your engine repairs are covered — perfect for flood-prone areas.
4. Return to Invoice (RTI)
If your vehicle is stolen or declared a total loss, this add-on ensures you get the invoice value (on-road price) instead of just the IDV (Insured Declared Value). It’s highly recommended for new or high-end vehicles.
5. No Claim Bonus (NCB) Protector
Normally, if you make a claim, you lose your NCB discount. With this add-on, your discount stays intact even after one or two claims — helping you save more in the long run.
6. Consumables Cover
This covers the cost of nuts, bolts, engine oil, brake fluid, and other consumables often excluded from claim amounts. A small cost for a bigger payout during repairs.
Who Should Consider Add-Ons?
- New car or bike owners
- People living in metro or flood-prone cities
- Those who drive long distances or use vehicles daily for work
- Commercial vehicle owners
Get More Value with Cashback
When you buy a motor insurance policy through VehicleInsurance.co.in, you not only get access to top insurers and add-on comparisons — but also enjoy guaranteed cashback on your purchase. Just fill out a quick claim form after purchase, and your cashback is transferred directly to your UPI ID.
Final Word
Add-ons are not unnecessary extras — they’re smart upgrades that can save you from big expenses during claims. While they increase your premium slightly, the benefits far outweigh the cost, especially when chosen based on your needs.
Want help choosing the right add-ons? Contact us or explore our insurance plan comparison tool now!