Car Insurance Add-Ons

What Does It Do?
The Pay-As-You-Drive add-on lets you pay for car insurance based on how much you actually drive. It is a smart choice if you do not use your car often, helping you save on premiums.

What It Covers
With this IndusInd General Insurance add-on, you pay for a set number of kilometres, known as the Limit Sure option. If needed, you can buy extra kilometres or even carry forward unused ones.
 

Benefits
This add-on is cost-effective for low-mileage drivers. It ensures you only pay for what you use, making it an economical and flexible option.

What Does It Do?
The Nil Depreciation cover, also known as Bumper-to-Bumper car insurance add-ons, ensures you receive the full value for any part replaced after an accident. This means that no depreciation is deducted from the compensation, allowing you to recover the total cost of replacement parts.
 

What It Covers
A zero depreciation cover offers coverage for the complete cost of all parts, including plastic, rubber and metal, which would normally be subject to depreciation. It ensures that your vehicle's value remains intact, especially when parts are replaced after an accident.
 

Benefits
With this add-on insurance for your car, you don't need to pay for depreciation on parts, which can save you significant money during repairs. It is particularly beneficial for keeping your car's overall value high after damage and replacements.

What Does It Do?
The Engine Protection in car insurance shields your car's engine, which is often the most expensive part to repair or replace. This is one of the most important car insurance add-ons and provides crucial coverage for engine damage due to factors that a standard policy may not include, like water seepage or oil leakage.

What It Covers
These auto insurance add-ons cover engine repairs and replacements due to issues like water damage during floods or internal oil leaks. This protection is important, especially in areas prone to flooding or where the engine is more susceptible to damage.

Benefits
This add-on saves you from bearing the high costs of engine repairs, which can otherwise lead to substantial financial strain. It ensures that your car's engine stays protected, reducing unexpected expenses.

What Does It Do?
Return-to-Invoice or RTI in car insurance add-on cover reimburses the original invoice value of your car if it is declared a total loss due to theft or severe damage. This means you receive the amount you paid when purchasing the car rather than just the depreciated Insured Declared Value (IDV).

What It Covers
Return-to-invoice in car insurance covers the entire on-road price of your vehicle, including taxes, registration fees and other associated costs. This is especially valuable for new cars, as it compensates the full price, protecting you from financial loss in case of total damage or theft.

Benefits
With these add-ons in car insurance, you are fully compensated for the actual purchase price of your car, ensuring minimal financial loss. It is particularly helpful for newer vehicles where the difference between the IDV and the actual purchase price is significant.

What Does It Do?
Total Cover ensures you receive the full on-road price of your car, including extra expenses like registration and taxes, in case of a major loss or damage. This add-on guarantees that no out-of-pocket costs are required, even in serious scenarios.

What It Covers
It covers the complete on-road price of the vehicle, including the car's price, road taxes, registration fees and the insurance premium you paid. This ensures you are not financially burdened in cases of severe damage or when your car is declared a total loss.

Benefits
This add-on is designed to give complete protection without leaving you to bear any major costs in extreme situations. It offers full financial recovery, making it a wise choice for comprehensive coverage.

What Does It Do?
The EMI Protection Cover ensures your car loan EMIs are taken care of if your vehicle undergoes long repairs due to damages. This cover helps keep your finances in check during extended repair periods when you might otherwise struggle to make loan payments.

What It Covers
If your car is in the garage for more than 21 days for repairs, this add-on covers the cost of your monthly EMIs during that time. It provides much-needed financial relief in case your car is out of use for an extended period.

Benefits
This add-on pays EMIs when your car is undergoing repairs. It helps prevent financial stress during long repair periods and ensures you do not fall behind on loan payments.

What Does It Do?
The No Claim Bonus Protection Cover helps you retain your No Claim Bonus even if you make a claim on your car insurance policy. The NCB protection in car insurance is a discount you receive for not making claims, and this add-on allows you to preserve it even after an accident.

What It Covers
It covers up to two claims within the policy term, letting you keep your NCB intact. This means that even after filing a claim, you will not lose the discount you have earned over time.

Benefits
This add-on in car insurance ensures that your NCB discount remains unaffected, so you continue to enjoy lower premiums even after making claims. It is a valuable benefit, helping you save money on future renewals by retaining your bonus.

What Does It Do?
The Daily Allowance Benefit provides financial support for alternate transportation while your car is being repaired. This add-on covers the costs of commuting, so you do not have to worry about how to get around during repair periods.

What It Covers
It provides a fixed daily amount to cover your transportation needs for a certain number of days when your vehicle is in the garage. This amount helps you manage daily commuting expenses while your car is unavailable.

Benefits
It saves you from paying out of pocket for transportation while your car is being repaired, ensuring minimal inconvenience. The add-on helps ease the stress of having your car in the garage by covering alternate transport costs.

What Does It Do?
The Passenger Cover add-on provides financial compensation in the unfortunate event that passengers are injured or lose their lives during a car accident. The passenger cover in car insurance extends the protection of your car insurance to cover not just the driver but also the individuals travelling with you.

What It Covers
This motor insurance add-on offers coverage for medical expenses, disability, or death compensation for passengers injured in an accident. It ensures that passengers receive the necessary financial support for medical care or compensation in case of a tragic event.

Benefits
Passenger Cover protects everyone in the vehicle, not just the driver. It adds an extra layer of security, ensuring that your loved ones or passengers are cared for in case of an accident. Hence, this is one of the most crucial car insurance add-ons.

What Does It Do?
The car roadside assistance add-on cover provides round-the-clock help in case your vehicle breaks down, no matter where you are. With 24x7 Roadside Assistance, you can count on immediate support whenever you are stranded due to a vehicle malfunction or emergency.

What It Covers
This is one of the most popular motor insurance add-ons and this includes services such as towing, fuel delivery, flat tyre changes, battery jump-starts and even help with keys if you are locked out of your car. Additionally, in severe cases, this add-on covers accommodation costs if you are stuck far from home.

Benefits
Help is always just a phone call away, minimising the stress of unexpected breakdowns. This add-on cover in motor insurance ensures you are never left stranded on the road, providing both safety and convenience in emergencies.

What Does It Do?
The Key Replacement Cover in car insurance protects you from the high cost of replacing lost or stolen car keys. Modern car keys can be expensive, and these auto insurance add-ons ensure you are financially covered for replacement.

What It Covers
The car key lost insurance covers the cost of replacing car keys, and, if necessary, changing the locks. It also includes expenses for cutting new keys, ensuring that all key-related issues are fully taken care of.

Benefits
You will not have to worry about the unexpected cost of replacing high-tech keys, which can be quite expensive. These add-on covers in motor insurance save you from the cost of key replacement, ensuring your car's security is maintained.

What Does It Do?
RIM Protection is designed to cover the costs of repairing or replacing damaged rims on your vehicle. This add-on is especially beneficial if your car has expensive or custom rims that would be costly to repair.

What It Covers
It includes the repair or replacement costs for rims damaged by accidents or wear and tear. The cover ensures that your vehicle's aesthetics and functionality remain intact without high out-of-pocket costs.

Benefits
You can keep your car's rims in top condition without worrying about the high costs associated with repairing or replacing them. This add-on ensures that your vehicle maintains both its looks and performance, providing financial protection for rim-related damages.

What Does It Do?
Tyre Protection Insurance Cover provides financial coverage for damage to your car's tyres. It includes repair or replacement costs, ensuring your tyres remain in good condition and your vehicle is safe on the road.

What It Covers
It covers the costs of tyre repairs or replacements due to accidental damage, punctures or general wear and tear. This ensures that your tyres are in optimal condition, providing safe and reliable driving.

Benefits
This add-on ensures that your car's tyres are well-maintained, minimising the risk of road accidents due to poor tyre condition. It offers financial protection for unexpected tyre damages, keeping your vehicle safe and road-ready.

What Does It Do?
A consumables cover in car insurance takes care of the costs of small yet essential items needed after an accident, such as nuts, bolts, grease and lubricants. These are usually not covered by a standard car insurance policy, making this add-on a valuable addition.

What It Covers
It covers consumables in car insurance required during repairs, including items like screws, oil and coolants. These often-overlooked expenses can add up, and this add-on ensures they are fully covered.

Benefits
This add-on ensures you are not burdened with the small but necessary costs of consumables after an accident. Even the smallest repair expenses will be taken care of.

What Does It Do?
The Loss of Personal Belongings add-on protects you from the financial loss of valuables stolen from your car. This cover ensures that you are reimbursed for the loss of important personal items like electronics and other valuables.

What It Covers
It covers the theft or loss of personal belongings such as laptops, smartphones and other valuables stored in a car. The reimbursement amount is subject to a specified limit, ensuring you recover the value of your lost items.

Benefits
Your valuable belongings are protected even if they are stolen from your car. It provides financial compensation, helping you recover quickly from theft or loss.

What Does It Do?
This car insurance add-on provides coverage for the repair or replacement of electrical accessories installed in your car. It ensures that custom-installed features like audio systems or navigation units are financially protected.

What It Covers
It covers any electrical accessories such as speakers, stereo systems or GPS devices that you have added to your vehicle. If these items are damaged in an accident or stolen, this add-on takes care of their repair or replacement.

Benefits
This add-on ensures your expensive electrical enhancements are protected, so you do not have to bear the high cost of repairs or replacements. It safeguards your investment in custom tech accessories, keeping your vehicle functional and enjoyable.

What Does It Do?
This motor insurance add-on is designed to cover the costs associated with non-electrical accessories in your vehicle. It protects custom upgrades like seat covers, alloy wheels or other non-electrical modifications.

What It Covers
It covers the repair or replacement of non-electrical components, including custom seat upholstery, alloy wheels and other visual enhancements. Whether damaged in an accident or stolen, these accessories are protected under this add-on.

Benefits
With this coverage, your vehicle's aesthetic or functional upgrades are financially protected. It keeps your modifications safe and ensures your car's appearance remains intact without costing you extra.

What Does It Do?

The Medical Assistance provides emergency support services if the insured vehicle meets with an accident and the driver or passengers sustain injuries. It helps connect you with nearby medical facilities and ambulance services when you need them most.

What It Covers

Provides assistance in locating the nearest available medical ambulance, arranging contact details for nearby medical facilities, and transmitting emergency messages to up to two contacts following an accident.

Benefits

Ensures quick access to medical support during emergencies, helps you connect with nearby healthcare providers, and keeps your loved ones informed about the accident.

What Does It Do?

The Emergency Road Ambulance Service reimburses expenses incurred for transporting an injured driver or passenger from the accident site to the nearest hospital with appropriate emergency medical facilities.

What It Covers

Covers the cost of emergency road ambulance services required to transport an injured occupant of the insured vehicle to the nearest hospital following a covered accident.

Benefits

Provides financial assistance for emergency transportation, ensures timely medical attention, and reduces unexpected out-of-pocket expenses during emergencies.

What Does It Do?
The Emergency Air Ambulance Service reimburses air ambulance charges when immediate and rapid transportation is medically necessary due to a life-threatening injury resulting from a covered accident.

What It Covers
Covers emergency air ambulance expenses from the accident location to the nearest suitable hospital, or from one hospital to another when medically necessary and certified by a medical practitioner. Coverage is available once during a policy year and applies only within India.

Benefits
Provides access to critical care facilities when road transportation is not sufficient, supports rapid medical evacuation, and offers financial protection against high air ambulance costs.

What Does It Do?
The Blood Transfusion Services reimburses expenses related to blood transfusions required due to injuries sustained in a covered motor accident.

What It Covers
Covers expenses for blood testing, compatibility checks, and blood transfusion procedures required as part of medical treatment following an accident. The blood must be sourced from a government-approved facility or hospital within India.

Benefits
Helps manage the cost of critical medical procedures, supports accident-related treatments, and provides financial relief during hospitalization.

What Does It Do?
The Transportation Benefit reimburses transportation expenses incurred for taking an injured driver or passenger to the nearest hospital following an accident.

What It Covers
Covers reasonable expenses incurred for transporting an injured occupant of the insured vehicle to the nearest hospital using the services of a registered radio cab operator following a covered accident.

Benefits
Ensures access to medical care without worrying about transportation costs and provides financial support during emergency situations.

What Does It Do?
The Accidental Medical Expenses covers medical costs arising from injuries sustained in a covered motor accident. It helps reduce the financial burden of hospitalization and treatment.

What It Covers
Covers medically necessary hospitalization and daycare treatment expenses, including room rent, nursing charges, ICU charges, doctor fees, surgery costs, anesthesia, medicines, diagnostics, consumables, and eligible prosthetic devices implanted during surgery.

Benefits
Provides comprehensive financial protection against accident-related medical expenses, reduces hospitalization costs, and helps ensure access to necessary treatment and care.

What Does It Do?
The Companion Accommodation reimburses accommodation expenses for one companion when an insured person is hospitalized due to injuries sustained in a covered accident away from their registered address.

What It Covers
Covers the accommodation cost of one companion in a hotel, service apartment, guest house, or similar accommodation near the treating hospital when hospitalization exceeds 24 hours and the accident occurs more than 250 km from the insured person's registered address. Coverage is available for up to four days or until discharge, whichever is earlier.

Benefits
Allows a family member or companion to stay close to the hospitalized person, offers financial support for accommodation expenses, and provides added comfort and assistance during recovery.