Top Car Insurance Add-ons | Zurich Kotak General Insurance

Elevate coverage for peace of mind.

A car insurance is mandatory and most car owners already know that. After all, you cannot drive your car out of the showroom without insurance. However, a standard policy might not be adequate for a lot of car owners. And it is not surprising that they start looking for advanced options. Here are your best options.

Advanced car insurance

Though the law mandates all car owners to have third-party insurance for their cars, it offers minimal coverage. If your car is at the receiving end of any damage, the policy will not have your back. This is where comprehensive coverage is more prudent.

For car owners looking for extended coverage options, Zurich Kotak General Insurance offers a plethora of add-ons to choose from. While you will end up paying a slightly higher premium for these add-ons, they ensure that you receive much better coverage and have specific coverage as well.

The following are the most prominent insurance add-ons that you can pick for your policy:

Depreciation cover:

With each passing day, the value of your car depreciates. If you were to file a claim, you would end up paying the depreciation amount from your pockets. Not unless you opt for depreciation cover. It leads to higher claim settlement amounts.

Engine protect:

Rising instances of floods and cyclones, puts the engine at higher risk of damages. If water enters the engine due to water logging or seepage, it can damage the engine or its various components. An engine protection cover will compensate for the replacement or repair of the engine in such instances.

Return to invoice:

It is no secret that the price of cars has gone up considerably over the past few years. In the unfortunate event of the car being stolen or declared a total loss, you will incur a considerable loss. Since insurance companies only cover IDV. Return to invoice cover will compensate you with the invoice of the car and not the IDV.

Consumables cover:

A lot of one-time items that are used in the car can add up and increase the invoice amount. These items include lubricants, nuts, bolts, screws, etc. Consumables cover will make sure that you do not end up paying for the consumables out of your pocket, which is otherwise an overhead.

NCB protect:

NCB Protect is an advanced car insurance add-on. When you opt for the add-on and file a claim, you will not lose the NCB. By paying a small premium, you can protect the NCB discount which can be substantial.

Roadside assistance:

Having the benefits of roadside assistance can be quite substantial if you are someone who drives a lot. If the vehicle breaks down anywhere, your car insurance from Zurich Kotak General Insurance will provide you with 24/7 roadside assistance for numerous issues such as jump start, fuel refill, flat tyres, etc.

Conclusion

Above are some advanced policy features that can enhance your ownership experience and make way for hassle-free drives. And Zurich Kotak General Insurance offers all the above and even more features.

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Team Zurich Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Zurich Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.