Your RTO details
RTO name
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Looking for Car Insurance?
Get Car Insurance starting at only 2094/year #
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

    Other models
    Other variants
    Select your variant
    View all variants
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      What Add-on to Make Most Out of Your Car Insurance Plan

      Many general insurance providers offer several add-on covers with a comprehensive car insurance policy. Apart from enhancing the overall coverage of the plan, each rider comes with unique features and benefits. This is why it becomes crucial to decide which one to opt for. Let us discuss this in detail to make an informed decision.

      Read more

      How Car Insurance Add-ons Are Useful?

      You may realize the importance of car insurance with an add-on cover in case of theft of your four-wheeler or an accidental damage repair. Even if you have regular comprehensive motor insurance for your car, you will have to pay for the expenses, which your regular insurance does not cover. However, if you have bought an add-on cover with your base policy, it will strengthen the coverage and provide full protection in crucial situations.

      You do not have to worry about customization in your already purchased policy. If you haven't purchased any add-on cover to your base plan at first, you can buy one at the time of renewal. There is no hard and fast rule for this; you just need to pay a little extra premium to add a rider to your plan.

      There are several add-on covers that almost every Car Insurance Company provides with their comprehensive vehicle insurance plan. But it is imperative for you to choose the best suitable rider for your four-wheeler. 

      Which Car Insurance Add-ons Should You Definitely Consider?

      You can save up a lot of money by factoring in your needs and then choosing the right car insurance add-on for your car. Every rider comes with unique features and benefits. Let us discuss them all to determine the best-suited add on cover:

      1. Zero Depreciation Cover: It is a widely popular rider among Indian four-wheeler owners. The main feature of this cover is it allows your insurer to pay for the full claim amount without deducting any depreciation of your car or its parts. 

      For example, if you meet an accident while driving in your car, during the claim settlement for the damaged parts of your car, the insurance company is liable to pay your full claim amount. 

      This is only possible with the zero depreciation cover. Without it, the insurer will pay the claim amount minus depreciation of the car parts damaged. The coverage benefit is offered for newly bought vehicles or till the vehicle is 3 years old. 

      2. NCB Protection: A comprehensive car insurance plan comes with an in-built feature of No-claim-bonus. When you don't make a claim in an entire policy year, your insurer offers you a discount which you can use at the time of renewal. 

      With the help of this add-on cover, you can enjoy the NCB benefit even if you will make a claim during the policy tenure. If your car is not older than 3 years then you're eligible to buy this cover for your car. 

      3. Personal Accident Cover: This motor insurance add-on cover is very essential and plays a vital role in safeguarding you along with the passenger. God forbid if you meet an accident that causes damage to your vehicle and the co-passenger also got injured along with you, the loss will be too much for anyone to bear. 

      A regular car insurance plan can cover up some damages but not for the injury of the co-passenger. This rider ensures financial support during such uncertain times.

      4. Roadside Assistance Cover: With the rising number of vehicles on roads the possibility of accidents is also on the rise. As the name suggests this cover will help you in case you get stuck on the road due to an accident or car breakdown. If you have this rider added to your motor insurance plan, you can call your insurer for immediate assistance to help you on the road. 

      Roadside assistance offers round-the-clock services like change of flat tire, battery-related issues, refuelling, and even arranging mechanic's services. In an odd event, if needed, you are also entitled to get taxi/accommodation service by your insurer.

      5. Consumables Cover: We tend to think that during the damage repair of the car, the screws, nuts, and bolts will not cost much. However, that is not true. They can sometimes cost hefty in an event of total damage repair. Also, a regular car insurance plan does not provide coverage for consumables. This is a very important add-on and can be very helpful for you when you'll require full reimbursement for your car repair. 

      6. Engine Cover: If you own a high-end fancy car then this rider is essential for you. In times of need with the help of this rider, you can take compensation from your insurer even for those damage repairs in the engine that are not caused by accident. Also, it will be suitable for you if you live in an area that is prone to frequent flood or waterlogging. Because in these locations, the chances of engine damage are high and this add-on cover can act as a saviour in such crucial times.

      7. Return to Invoice: Imagine someone stole your car or in an uncertain event your car got damaged and is beyond repair. How much your regular insurance plan will cover you? Usually, in such cases, your insurer will only pay your insured declared value minus depreciation (if any) in the name of the claim. 

      However, if you have 'returned to invoice' cover added to your base plan, you can claim for the price which was mentioned in your purchase invoice. This feature makes it the most essential car insurance plan add-on.

      The Final Word

      A comprehensive motor insurance plan's benefits expand with each add-on cover. However, the benefit depends on your needs and requirements. It is advisable to choose the right add-on cover by factoring in your geographical location, car condition, engine quality, and more. You can avail of rider benefits by paying only a little extra amount. You can check and compare car insurance plans online and along with the add-on covers. 

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar

      Car insurance articles

      • Recent Article
      • Popular Articles
      21 May 2024

      Get Faster Claim Settlement with Policybazaar Claim...

      Getting your car insurance claim settled is no longer a hassle

      Read more
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance Policy...

      Have you recently purchased a car insurance policy for your new

      Read more
      22 Feb 2024

      IDV in Car Insurance

      In layman's terms, the IDV full form is the Insured Declared Value

      Read more
      31 Jan 2024

      Must-Have Car Insurance Addons for Brand New Cars

      Investing in a full-coverage car insurance policy is essential for

      Read more
      29 Jan 2024

      No Claim Bonus (NCB) in Car Insurance

      No Claim Bonus (NCB) is a reward given by an insurer to a

      Read more
      11 Aug 2021

      How to Check Car/Vehicle Insurance Status Online

      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

      Read more
      20 Jun 2019

      Getting Your Duplicate Car Insurance Policy is...

      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

      Read more
      20 Dec 2021

      How To Find Car Insurance Details By Registration Number

      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access

      Read more
      03 Jun 2016

      How to Transfer Car Insurance Policy?

      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer

      Read more
      20 Jul 2017

      Comprehensive Insurance Vs Third Party Insurance

      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due

      Read more

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      View Plans
      Download the Policybazaar app
      to manage all your insurance needs.