Car Insurance Add On Covers
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What are add-on covers in car insurance?
A standard car insurance policy provides basic protection, but it may not always be sufficient. There may be situations where the standard cover does not provide optimal benefits. That’s where Car Insurance Add-On Covers come in. These optional benefits allow policyholders to expand the scope of their car insurance plan and enjoy comprehensive financial protection.
With add-ons, Zurich Kotak provides coverage beyond standard inclusions, addressing scenarios such as depreciation-related deductions, engine damage, and roadside emergencies. Choosing the right add-on not only strengthens your policy but also ensures peace of mind during unforeseen incidents. From daily commuters to SUV owners, every car owner can benefit from these covers.
Car insurance add-on covers are optional features that can be purchased in addition to a comprehensive policy. They extend protection beyond the standard plan by covering specific risks, such as engine damage, accidental breakdowns, or loss of personal belongings. Add-ons are not mandatory, but are highly recommended for anyone seeking to secure their car against real-world risks.
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List of Car Insurance Add-On Covers
Zurich Kotak General Insurance offers a wide range of car insurance add-on covers to meet different needs. Each cover is designed to add an extra layer of security to your policy:
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
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
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
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
Tyre Protection Cover
Covers repair or replacement costs for tyres and tubes damaged due to accidents or road hazards. Wear and tear is not covered under this add-on. Know more about car insurance Tyre cover add on.
Roadside Assistance
Provides round-the-clock support in the event of a breakdown. Services include towing, battery jump-starts, emergency fuel delivery, flat-tyre assistance, and minor on-the-spot repairs. This ensures you are never stranded. Know more about car insurance raod assistance add on.
Daily Car Allowance Cover
Provides a daily allowance to cover transportation expenses when your insured vehicle is under repair following an insured event. know more about car insurance daily car allowance add on.
NCB Protect
In the case of a claim, when the car is under repairs, the add-on pays a daily allowance which you can use to cover the cost of alternate transportation.
Loss of Personal Belongings Cover
Provides compensation for personal items that are stolen or damaged while inside the insured vehicle during a covered incident, subject to policy limits. know more about car insurance loss of personal belongings add on.
Key Replacement Cover
Covers the cost of replacing lost or stolen car keys, including reprogramming of modern smart keys where applicable, ensuring you regain access to your vehicle without unnecessary expense.
Clutch protect cover
Covers repair or replacement costs for the clutch assembly and related parts damaged due to clutch burn or failure, helping you avoid significant repair bills.
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Benefits of add-on covers
Tips for Selecting the Right 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.
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FAQs on car insurance add-on covers
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.