Add on Motor Insurance Offers For Discounted Car on Insurance 2024

You simply cannot roll out of the showroom without third-party car insurance after purchasing a new car. This is the basic legal requirement in terms of car insurance. However, it may prove to be insufficient for a more luxurious variant. This is where a comprehensive plan comes into the picture. You can enhance the coverage by adding add-ons to car insurance. Zurich Kotak General Insurance’s car insurance is a significant name in this industry.

What are add-ons?

The add-ons imply the additional coverage protection offered by your existing motor insurance at the cost of an additional premium amount. They enhance the coverage scope beyond the standard. Add-on covers in motor insurance are another method to customise your insurance protection to handle unforeseen events related to your car.

These add-ons offer better flexibility to your plan adding the protection of tailored coverage.

Why choose add-ons?

While third-party cover is mandatory to meet the legal standards, but comprehensive coverage allows enough protection. However, such comprehensive plans may even prove to be insufficient at times, raising the need to supplement it with add-ons. However, you must be aware of the befitting add-ons and choose only them to prevent unnecessary financial drainage.

Discounts on add-ons

As we have just begun with the year 2024, you might consider making the best out of it. To avoid the accumulation of old stock, your dealer might consider clearing them at discounted rates this January. You might consider these deals:

Securing heavy batteries:

Current car insurance plans are customised for internal combustion engines, possessing different components than EVs. The exclusive Battery Secure add-on caters to the repair and replacement of hybrid and pure EVs. It covers the expenses incurred due to the damage for sudden power surges, short circuits, and water ingression.

Cover for charging kit and battery components:

This exclusive EV add-on insures against short-circuit, self-ignition, and damage caused by fire, theft or damage to the battery, and its parts including adapters, cables, and charging connectors.

Personal belonging coverage:

There is an add-on that covers for loss or damage of personal belongings present in the car. However, it has to necessarily belong to the insurance holder or his/her spouse, parents, children and parents-in-law and not any other friend or acquaintance. However, FIR is required under such circumstances.

Some other significant add-ons even include coverage for critical allied expenses including the cost of consumables in car insurance; an umbrella cover exclusive to the CNG vehicles; insurance for the delicate car components including, tyre protection rider, repairing and replacement of the plastic and fibre parts, damaged glass, etc. It is best to secure your high-end vehicle components with a befitting rider including the entertainment system, AC, car camera, fire extinguisher, interior fittings, seat covers, etc.

Conclusion

This article highlights some of the promising add-ons that may enhance the scope of your existing car coverage in a pocket-friendly manner. Nowadays you can easily purchase online car insurance along with befitting riders.

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