Supposedly, you reside in an area, which is either theft-prone or vulnerable to natural disasters, etc. then it becomes important that the electrical accessories/ non-electrical accessories in car insurance are included.
Regardless, of whether electrical or non-electrical, these accessories simply enhance the beauty of your car. However, these accessories must be insured as they are valuable.
Usually, people consider that buying car insurance is not helpful and even if they buy so, they usually do not look for add-on covers and often non-electrical or electrical accessories in car insurance remain uncovered.
However, it is advisable electrical/ non-electrical accessories in car insurance are adequately covered.
Undoubtedly, whether electrical or non-electrical accessories it simply adds to the beauty of your car. However, another important aspect, which most people miss out, is that the use of these accessories also helps to maintain the comfort of the passengers in the four-wheeled beauty.
Therefore, when you buy a car insurance policy, make it a thumb rule to opt for accessories covers in the car insurance policy.
In case your car has a high-end stereo system, LCD screen, etc. then make sure these electrical accessories in car insurance are aptly covered. Just remember of you simply possess a basic car insurance policy, you will only be secured against the damages caused due to a mishap and the accessories fitted in the car will remain uncovered.
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 include music system, air conditioners, different sort of lights such as brake or fog light, etc. On the other hand, non-electrical accessories include the interior fitting in the car, seat covers, alloy wheels and much more. Both types of accessories are expensive and these accessories in car insurance are essentially covered within the own-damage tariff.
In case you are looking forward to fitting an LPG or a CNG kit to your four-wheeled, then it is to be noted duly that you need to ensure the kit apart as the base car insurance policy will not cover in case of any damage incurred to the kit in any unforeseen event.
Therefore, it is important for every car owner to seriously take the add-on covers as it does not enhance your policy moreover gives an extra layer of protection to your prized possession. Undoubtedly, it will increase your car insurance premium rate but it will take care of any monetary expense in case of any adversities and not let you worry about the finances ensuring peace of mind.
Listed below are some important accessories that you might consider to get fitted enhancing the value and beauty of the car:
Wrapping It Up
When it comes to electrical or non-electrical accessories in car insurance, be smart and opt for complete coverage.
Do not give any false information to your insurer. Provide the exact value of the accessories and relax.
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