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Car Insurance Add On Covers

Car Insurance Add On Covers
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6500+

6500+

Cashless garages

Jet-speed

Jet-speed

claims

Upto

Upto

50% No Claim Bonus

24/7

24/7

Around the clock assistance

Note: The above data is till 1st April, 2025

List of Car Insurance Add-On Covers

Depreciation Cover

Depreciation Cover

Depreciation cover add-on ensures that no depreciation is deducted from your claim settlement for replaced parts. It allows you to receive the full replacement cost, maximising your compensation for approved claims.

Consumables Cover

Consumables Cover

Covers small parts and expendables used during claim-related repairs, such as nuts, bolts, lubricants, and filters. This helps reduce out-of-pocket expenses that are not typically covered under a standard policy. Know more about car insurance consumables add on coverage .

Engine Protect

Engine Protect

Covers the cost of repairing or replacing your engine and gearbox in cases of damage caused by water ingress, oil leakage, or sudden mechanical failures. This is especially useful in areas prone to flooding or harsh driving conditions. Know more about car insurance engine protect add on .

Return to Invoice Cover

Return to Invoice Cover

Reimburses the difference between the original invoice value of the vehicle and the Insured Declared Value (IDV) in the event of total loss or theft. This ensures you receive the full purchase price, including road tax and registration charges. Know more about car insurance return to invoice add on coverage

Tips for Selecting the Right Car Insurance Add-On Covers

Consider your driving habits, car type, and budget when selecting add-on covers.
For new or high-value cars, opt for: Zero Depreciation Cover & Return-to-Invoice Cover
If you drive long distances, consider: Roadside Assistance Cover & Tyre Protect Cover
In flood-prone areas, Engine Protection Cover is highly recommended.
Consumables Cover helps reduce out-of-pocket expenses for repairs.
Avoid unnecessary add-ons that increase your premium without adding real value.
Aim to balance coverage and cost by choosing add-ons that offer genuine value and keep your policy affordable and effective.

Cashless garages near you

Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.

FAQs on car insurance add-on covers

Questions you may have about Zurich Kotak General Insurance

Add-ons are optional benefits that enhance the protection offered by a comprehensive car insurance policy . While basic coverage includes accidents, theft, and third-party liabilities, add-ons cover specific risks such as engine damage or loss of personal belongings. These are ideal for tailoring insurance to your lifestyle, location, and driving habits.

No. Add-ons are not available with third-party liability-only policies, which are the minimum covers required by law in India and protect only against damages caused to other people or property. Add-ons can only be purchased with comprehensive or own-damage policies.

Zero Depreciation (also called Nil Depreciation or Bumper-to-Bumper cover ) ensures that depreciation is not deducted during claims. For example, if your bumper is damaged, the insurer pays the full replacement cost without factoring in depreciation. This is especially useful for new or premium vehicles.

Standard policies exclude internal engine damage. Engine Protection covers damage caused by water ingress, hydrostatic lock, oil leakage, or gearbox failure. This is particularly useful in flood-prone areas and for high-cost engines.

RSA offers 24/7 help for breakdowns, including towing, battery jump-starts, tyre replacements, and emergency fuel. It is valuable for frequent travellers, remote-area drivers, and long-distance commuters, providing immediate support during emergencies.

Yes, for new vehicles. Standard insurance pays only the depreciated Insured Declared Value (IDV). RTI ensures you receive the full invoice value, including registration and road tax.

Yes. Add-ons like Consumables Cover, Tyre Protect , and Zero Depreciation reduce repair costs not covered by standard policies, saving you money during claims.

They may slightly increase premiums (e.g., 10–15%), but potential savings often outweigh the extra cost during claims. Select only relevant add-ons based on the vehicle's age, usage, and location.

Yes. Once purchased, add-ons remain valid for the full policy term (typically one or three years) and can only be added at the time of purchase or renewal.

Yes. Add-ons can be selected during policy purchase or renewal. The system adjusts the premium and provides an updated digital policy copy instantly, ensuring a seamless process.