Car Insurance Add-On Covers

Add-on covers in car insurance are additional coverage benefits that offer enhanced protection to the insured car. By purchasing an add-on cover at an extra premium you can enhance your coverage benefits for damages that are excluded from a basic car insurance policy.

Read more

Compare & Save upto 85%* on Car Insurance
Get Car Insurance starting
@ only 2094/year#
  • Renew Policy In2 Minutes

  • 20+ Insurers To Choose From

  • 51 Lakh+ vehicles insured

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

What are Car Insurance Add-On Covers?

Under car insurance, an add-on cover is referred to as an additional coverage benefit offered by the insurer to the policyholder to strengthen the coverage of his/ her car. It helps a car owner to enhance the financial security of a car over and above the standard policy coverage.

Since add-on covers provide extra coverage to an insured car, it comes at an additional cost. A car owner needs to purchase add-on covers under his/ her car insurance policy by paying an additional premium amount. As a result, car insurance premium increase on buying add-on covers.

However, car insurance add-on covers are only available under comprehensive car insurance or standalone own-damage car insurance plans. It is not available under a third party car insurance policy. This happens because third party car insurance deals with injuries or damages caused to third parties and does not cover the own damages of the insured car. Thus, buying add-on covers under third party insurance will be futile.

Various Types of Add-On Covers Available Under Car Insurance

Several car insurance add-on covers are offered by Car Insurance Companies in India. Take a look at the various kinds of add-on covers that can be purchased under a comprehensive or standalone own-damage car insurance policy:

Zero Depreciation Cover

Zero Depreciation cover is an add-on cover that shares the burden of depreciation on the car’s parts and enables a car owner to get a higher claim amount. It ensures that the cost of depreciation is not deducted while paying the claim amount at the time of claim settlement. Also known as nil depreciation or bumper-to-bumper car insurance, this add-on cover is mostly available for cars up to five years old. Moreover, some insurers may only permit up to two zero depreciation claims while some may allow unlimited claims.

Engine Protection Cover

Engine Protection cover provides coverage for any loss or damages caused to the engine of the car due to issues, such as water ingression, oil spill, electrical or mechanical breakdown of the engine, etc. It also provides financial aid for the replacement of the car’s engine or its parts. But just like the zero depreciation cover, the engine protection cover is also available only to cars that are not more than five years old.

No Claim Bonus Protection Cover

A No Claim Bonus Protection cover protects the NCB of a car owner despite raising a claim. It keeps the NCB intact even if the car owner raises a claim in the previous policy year. It enables car owners to reduce their premiums using the NCB irrespective of whether a claim was raised. Note that NCB protection cover applies only to the own-damage premium as a third party part of the total premium is decided by the IRDA or Insurance Regulatory & Development Authority of India and cannot be altered.

Roadside Assistance Cover

A Roadside Assistance cover provides the car owner with any on-road assistance services in case the insured car breaks down in the middle of the road. Just a call to the insurance company and a mechanic is arranged to take a look at the vehicle and help out. Some of the assistance services available under this add-on cover are changing a flat tyre, minor on-site repair, car towing, fuel delivery, the arrangement of replacement car keys, battery jumpstart, etc.

Return to Invoice Cover

Due to the depreciation sustained by the insured car over years, the car owner will not receive the invoice value of the car even if the vehicle suffers from a total loss. Here is when Return to Invoice add-on cover comes to the rescue.

The Return to Invoice cover enables a car owner to receive the invoice value of a car as the claim amount in the event of a total loss, constructive total loss or theft of the car. With this add-on cover, the IDV of a car is fixed equal to the price at which the car was purchased. Thus, a car owner can get a higher claim amount with this cover. However, a Return to Invoice cover is available only for cars that are less than three or five years old, depending on the insurance company.

Daily Allowance Cover

The Daily Allowance Cover is an add-on cover that provides a travel allowance to cover day-to-day travel expenses in case the insured car is getting repaired at a garage. It compensates the car owner for any travel expenses incurred to hire a vehicle or use public transport while the car was at the network garage. However, this add-on cover applies only if the insured car is getting repaired at the network garage of the motor insurance company.

Passenger Cover

Unfortunately, a personal accident cover available under a regular car insurance policy does not cover the treatment expenses of the passenger. This is where ‘Passenger Cover’ comes into the picture.

The Passenger cover is an add-on cover that provides coverage for any medical expenses incurred by the passengers of the insured car in case of an accident. It covers the cost of hospitalization expenses, treatment expenses as well as ambulance fees. Moreover, it also provides compensation in case the accident results in the disability or death of a passenger.

Consumables Cover

The Consumable cover is an add-on cover that reimburses the expenses incurred towards consumables items used in an insured car during repairs. It provides coverage for all the consumable items used while the car was being repaired. These may include nuts & bolts, lubricants, grease, washers, engine oil, brake oil, screw, oil filter, bearing, etc. But even this add-on cover is not available for cars older than five years.

Tyre Protect Cover

A car insurance company does not pay for any damages or loss of the tyres if it is not arising out of an accident. The cost of repairing or replacing the tyres has to be borne by the car owner. This is where the ‘Tyre Protect’ cover can come in handy.

The Tyre Protect cover reimburses any expenses incurred towards the repair or replacement of the tyres of the insured car. It ensures that the motor insurance company pays for tyre damages, such as puncture, in-tyre bulge, tyre cut, bursting of the tyre, etc.

Key Replacement Cover

A standard car insurance policy does not pay for the replacement of car keys if lost or stolen due to theft, burglary or any other damage. But that’s not the case with a ‘Key Replacement’ cover.

A Key Replacement cover is an add-on cover that provides coverage for any expenses arising out of replacing the keys of the insured car. It also covers the cost of repairing the lock-set of the car in case the keys have been lost, stolen or damaged.

Loss of Personal Belongings Cover

The Loss of Personal Belongings cover is an add-on cover that compensates for the loss of any personal items stolen from the insured car or with the car. It also pays for any damages caused to the personal belongings inside the car. It covers various kinds of personal items, including electronic equipment.

You might be interested in


  • Q1. Are car insurance add-ons free of cost?

    Ans: No, car insurance add-on covers are not free of cost. You can purchase these add-on covers along with your standard car insurance policy by paying an extra premium amount.
  • Q2. Is there a limit to the number of add-ons that I can buy?

    Ans: No, there is no limit to the number of add-on covers. You can purchase as many add-ons as you want for your car. However, doing so may result in an increase in the cost of car insurance premium.
  • Q3. Can I purchase add-on covers separately?

    Ans: An additional cover can only be purchased when you buy a new car insurance policy or renew one. Thus, you cannot buy add-ons without buying a car insurance policy.
  • Q4. Can I purchase car insurance add-ons online?

    Ans: Yes, you can purchase car insurance add-ons online from All you need to do is head over to the ‘Car Insurance’ page; enter your car number in the given form. Enter other requested details and choose your desired car insurance plan. Here you will get an option to select the add-on covers that you wish to include in your plan. Once you have selected the desired add-ons, you can proceed with payment via your desired online payment method.

Find similar car insurance quotes by body type

Hatchback Sedan SUV MUV
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Why buy from Policybazaar?

  • 24x7 Claims Assistance
  • Cashless Assurance
  • 3-Day Repair Assurance
  • Free Pickup & Drop
  • Self Video Claims
  • Windshield Claims At Home
View Plans

Car insurance articles

Recent Articles
Popular Articles
Can I Buy Car Insurance Before Buying A Car?

28 Nov 2022

You usually don’t need car insurance while shopping for cars...
Read more
How Can I Buy New Car Insurance In India?

23 Nov 2022

With everything going online, buying new car insurance in India...
Read more
Difference Between Zero Dep and Comprehensive Car Insurance Policy

18 Nov 2022

If you are new to the motor insurance world, you must have...
Read more
How do I Renew Car Insurance After an Accident in India?

17 Nov 2022

A car insurance policy only protects your car till its expiry date...
Read more
Essential Parameters To Be Used To Compare Car Insurance

15 Nov 2022

Purchasing car insurance is just like buying any other essential...
Read more
Check Car Insurance Status Online on Parivahan Sewa/ RTO?
It doesn’t matter if you are an excellent driver or take your car out only once in a few months, your car must be...
Read more
Multiple Ways To Check Your Car Insurance Status Online
With everything going digital, checking vehicle insurance status online has become easier than ever. It not only...
Read more
Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your...
Read more
Transferring Car Insurance from One Person to Another
An integral part of selling a car, for both the buyer and the seller, is ensuring a successful car insurance...
Read more
How to Find Car Insurance Details by Registration Number?
As a car owner, it is mandatory to have a car insurance policy under the Motor Vehicles Act, 1988. Sometimes, you...
Read more