All About Electrical/Non-Electrical Accessories in Car Insurance

Car accessories, whether electrical or non-electrical, help enhance our driving experiences. They not only provide comfort, convenience and safety, but also add a personal style to the four-wheeler. However, they are not automatically covered under a standard car insurance policy. This article explores different categories of car accessories, how to insure them, and why it is important to correctly inform your insurance company about them.Read more

What are Electrical and Non-Electrical Accessories in Car Insurance?

Electrical and non-electrical accessories are the two major classifications. However, it does not imply that all these accessories are covered within a comprehensive car insurance policy.

Electrical Accessories Covered in Car Insurance

• Music System
• Air conditioners
• Brake lights
• Fog lights
• Air conditioning unit
• Reverse parking camera
• Electrical seats

Non-electrical Accessories Included in Car Insurance

• Interior fittings in the car
• Seat covers
• Alloy wheels
• Leather seat upholstery
• CNG/Bie-fuel kit

In case you are looking forward to fitting an LPG or a CNG kit in your car, you need to get it insured separately as the basic car insurance policy will not cover any damage to the kit in any unforeseen event.

Why is the Accessories Cover in Car Insurance Important?

Here are important reasons to opt for the accessories cover in your car insurance policy:

• Financial Protection for Custom Modifications: Choosing the accessories cover with your comprehensive policy will cover the cost of repairing or replacing valuable electrical & non-electrical accessories due to accidental damage or theft, thus helping you avoid out-of-pocket expenses.
• Security Against High Replacement Costs: If you have invested in premium, customised infotainment systems, alloy wheels, etc., the accessories cover will help protect that significant investment.
• Preservation of Your Car's Value: Insuring your accessories is important to maintain your car's overall resale value. It shows you have got every little add-on, even accessories, covered. In case of any damage, these parts can be fixed with quality parts.

Note: The Accessories cover can only be opted for with a comprehensive or own-damage policy, and comes at an additional premium amount, based on the value you declare to your insurer.

Important Accessories You Must Have in Your Car

Listed below are some important accessories that you might consider getting fitted in your car:

• Anti-theft Devices: Make sure that when you intend to buy a car insurance policy, you should get anti-theft devices installed for the safety of your vehicle. Doing this may also fetch you a good discount on the car insurance premium.
• Fire Extinguisher: The damage and destruction by fire can sometimes be massive. Primarily, we hope that you never come into a position where you need to use the fire extinguisher. But, we all know that eventualities will not come knocking. Therefore, it is better to have access to a portable fire extinguisher in your car, which will be handy and useful in times of emergencies.
• Phone Mount: These days, online maps (got to using a mobile phone) have gotten incredibly precise. Such maps help to explore a course as well as help you to locate the fastest method to arrive at your goal. A mount will guarantee that you don't have to get your hands off the guiding haggle rigging to check your mobile phone.
• Dash Camera: A car camera is otherwise called a Dash Cam, which can be mounted on the dashboard. It is a computerized camera that records your excursion. It tends to be utilized to make a cool outing video or an instrument for fledgelings to comprehend their missteps and show signs of improvement at driving. This can likewise prove to be useful in the event of a mishap as the camera will catch what occurred.
• Tyre Pressure Monitoring System: Your vehicle's tires should be fit as a fiddle and a tyre pressure monitor will guarantee that the tires have the correct strain to travel. If there is any deviation, your weight screen will tell you and you can get the issue settled.

Wrapping It Up

Both electrical and non-electrical accessories add enhanced value to your car. However, you should insure them properly under your car insurance. Hence, provide the correct value of any installed accessories to your insurance company and get adequate coverage for them to avoid any surprises during claims.