Top Car Insurance Add-ons You Should Consider in 2025
Car insurance is no longer just about fulfilling a legal obligation. With the right set of add-ons, you can customize your policy for comprehensive protection. This guide breaks down the most essential car insurance add-ons, how they benefit you, and why you should consider them in 2025.
Table of Contents
- Zero Depreciation Cover
- Roadside Assistance (RSA)
- Engine Protection
- Consumables Cover
- Personal Belongings Cover
- Key Protection
- Hotel Expenses Cover
- Tyre Protection
- Return to Invoice
- Daily Allowance
- NCB Protection
- Legal Liability Add-ons
- PA Cover for Unnamed Passengers
- PA Cover for Owner-Driver
- Driver Cover
- FAQs
Zero Depreciation Cover
This add-on ensures that the insurer pays the full cost of replacing car parts without considering depreciation. Ideal for new car owners, it helps you save significantly during claims.
Roadside Assistance (RSA)
If your car breaks down or you run out of fuel, this add-on gets you towing, battery jumpstart, or emergency fuel delivery – 24/7 help wherever you are.
Engine Protection
Standard policies don’t cover engine damage due to waterlogging or oil leakage. This add-on protects the heart of your car – a must in flood-prone areas.
Consumables Cover
It covers items like engine oil, coolant, nuts and bolts, which are typically not covered. Especially useful for luxury cars or high-maintenance vehicles.
Personal Belongings Cover
Protects your gadgets, documents, and other valuables inside the car in case of theft or accident. Peace of mind if you travel with electronics or important stuff.
Key Protection
Losing a smart key can cost thousands. This add-on covers replacement or repair of your car keys and locks, even in case of theft or damage.
Hotel Expenses Cover
If your car breaks down during a road trip, this covers lodging expenses while your car is being repaired. Great for frequent travelers.
Tyre Protection
It covers repair or replacement of damaged tyres due to road hazards. Standard policies usually exclude this – highly beneficial for rough terrains.
Return to Invoice
In case your car is stolen or declared a total loss, this add-on reimburses you with the invoice value instead of the depreciated value – a major financial cushion.
Daily Allowance
Compensates for the commute cost if your car is in the garage post-accident. You get a daily allowance to hire a cab or rent another car.
NCB Protection
Even after claiming once, this add-on protects your No Claim Bonus – keeping your discounts intact during renewal. A must-have for careful drivers.
Legal Liability Add-ons
This protects you against legal liabilities arising from damage or injury to third parties in an accident. It also covers legal expenses.
PA Cover for Unnamed Passengers
Ensures compensation for unnamed passengers injured in your car during an accident. It’s a thoughtful protection for family or friends.
PA Cover for Owner-Driver
A mandatory personal accident cover for you as the registered owner and driver. Offers financial support in case of accidental death or disability.
Driver Cover
If you have a paid driver, this add-on offers personal accident coverage for them too. Important for households with chauffeur-driven cars.
FAQs
1. Which car insurance add-on is best for new cars?
Zero Depreciation and Engine Protection are the top add-ons for new cars to maximize claim benefits and protect vital parts.
2. Is Roadside Assistance available everywhere?
Most insurers offer nationwide RSA services, but always check the coverage areas with your provider.
3. Can I buy add-ons mid-policy?
Some insurers allow adding riders during mid-policy, but it’s generally easier and cheaper during renewal.
4. Is NCB Protection worth it?
Absolutely, especially if you’ve maintained a claim-free record. It helps preserve your premium discounts.
5. Do these add-ons affect premium?
Yes, add-ons slightly increase your premium but offer much more value and protection, saving money during claims.
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