Private Car Insurance - Addon Covers AVAILABLE with Full Insurance _1st Party insurance Policy _
- 2 months ago
Sure, when it comes to private car insurance, there are several add-on covers available that you can consider adding to your policy for enhanced coverage. Keep in mind that the availability of these add-ons may vary depending on your insurance provider and the specific policy you choose. Here are some common add-on covers available with a comprehensive (1st party) car insurance policy:
Zero Depreciation Cover: This cover ensures that you receive the full claim amount for the replacement of parts without any deduction for depreciation. It's particularly useful for newer cars.
Engine Protection Cover: It provides coverage for damages to the engine of your car due to water ingression, lubricating oil leakage, or any other internal damages not covered under standard insurance.
Roadside Assistance Cover: This cover provides assistance in case your car breaks down on the road. It includes services like towing, fuel delivery, battery jump-start, flat tire assistance, etc.
NCB Protection Cover: No Claim Bonus (NCB) is a discount given on the premium for every claim-free year. With NCB protection, you can retain your NCB discount even after making a claim during the policy period.
Return to Invoice (RTI) Cover: In case of theft or total loss of your vehicle, this cover ensures that you receive the original invoice value of your car including registration charges and road tax.
Personal Accident Cover for Passengers: This cover provides financial compensation in case of accidental death or permanent disability of the insured or co-passengers.
Consumables Cover: It covers the cost of consumables like nuts, bolts, engine oil, coolant, etc., that are not covered under a standard insurance policy.
Key Replacement Cover: This cover provides coverage for the cost of replacing lost or stolen keys of your insured vehicle, including the cost of locksmith services.
Daily Allowance Cover: In case of car repair in a garage due to an accident, this cover provides a daily cash allowance for alternate transportation.
Loss of Personal Belongings Cover: It provides coverage for the loss or damage of personal belongings kept inside the insured vehicle during an accident or theft.
Zero Depreciation Cover: This cover ensures that you receive the full claim amount for the replacement of parts without any deduction for depreciation. It's particularly useful for newer cars.
Engine Protection Cover: It provides coverage for damages to the engine of your car due to water ingression, lubricating oil leakage, or any other internal damages not covered under standard insurance.
Roadside Assistance Cover: This cover provides assistance in case your car breaks down on the road. It includes services like towing, fuel delivery, battery jump-start, flat tire assistance, etc.
NCB Protection Cover: No Claim Bonus (NCB) is a discount given on the premium for every claim-free year. With NCB protection, you can retain your NCB discount even after making a claim during the policy period.
Return to Invoice (RTI) Cover: In case of theft or total loss of your vehicle, this cover ensures that you receive the original invoice value of your car including registration charges and road tax.
Personal Accident Cover for Passengers: This cover provides financial compensation in case of accidental death or permanent disability of the insured or co-passengers.
Consumables Cover: It covers the cost of consumables like nuts, bolts, engine oil, coolant, etc., that are not covered under a standard insurance policy.
Key Replacement Cover: This cover provides coverage for the cost of replacing lost or stolen keys of your insured vehicle, including the cost of locksmith services.
Daily Allowance Cover: In case of car repair in a garage due to an accident, this cover provides a daily cash allowance for alternate transportation.
Loss of Personal Belongings Cover: It provides coverage for the loss or damage of personal belongings kept inside the insured vehicle during an accident or theft.