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Add On Covers For Motor Insurance

List of add-on covers in motor insurance

As cars are prone to damages or accidents, the policyholder should have extensive coverage add-ons due to potential accidents. Apart from own damage cover and third-party coverage, a policyholder should opt for extra add-ons to save himself from huge financial losses.

  1. 24x7 Roadside Assistance
  2. Accessories
  3. Ambulance Charges
  4. Consumable
  5. Daily Cash Allowance
  6. Engine Protector
  7. Hydrostatic Lock
  8. Invoice Cover
  9. Key Replacement
  10. Legal Liability to Paid Driver
  11. Loss of Personal Belongings
  12. Medical Expenses
  13. NCB Protection
  14. PA Cover for Unnamed Passenger
  15. Zero Depreciation

Discounts

  1. Voluntary Deductible
  2. Automobile Association
  3. Anti Theft
Updated On: 2022-02-23

Author : Team PolicyBachat

Frequently Asked Questions

New car insurance in India typically includes coverage for third-party liability as mandated by law, as well as own damage coverage that provides protection against damage to the car due to natural calamities, theft, and accidents. The own damage coverage may include a range of optional add-ons, such as engine protection, zero depreciation, roadside assistance, and personal accident cover for passengers. Some insurance providers also offer additional benefits for new cars, such as a higher IDV (insured declared value), longer policy terms, and coverage for accessories and modifications. It is important for car owners to carefully review their policies and understand the coverage and benefits provided by their new car insurance policy.

In India, third-party car insurance is a mandatory insurance policy that every vehicle owner is required to purchase as per the Motor Vehicles Act, 1988. Third-party insurance provides coverage against any legal liabilities arising due to injuries or damages caused to third parties due to an accident involving the insured car. The policy covers the insured's liability to pay compensation for damages caused to third parties, including death or bodily injury, and damage to property. Third-party insurance does not provide coverage against any damages to the insured vehicle or its owner. It is advisable to opt for comprehensive insurance coverage that provides additional benefits such as coverage against damages to the insured vehicle, personal accident coverage, and more.

In India, there is no significant difference between comprehensive and fully comprehensive car insurance. Both types of policies provide coverage for damage to the insured car, as well as liability coverage for damages or injuries to third-party property or persons. Comprehensive car insurance in India typically covers a wider range of risks than third-party insurance, including theft, fire, vandalism, and damage caused by natural disasters or accidents. Some comprehensive policies may also include additional features, such as roadside assistance, personal accident coverage, or a no-claims bonus. However, the specific terms and conditions of the policy may vary depending on the insurer, so it is important to review the details of the policy before purchasing to ensure that it provides the desired level of coverage.

With the updated e-services available on mParivahan Vahan, finding your vehicle registration number or purchasing the latest updates has never been easier. The Andaman and Nicobar Islands State Transport Department website allows you to enter your registration number and check your vehicle details in the comfort of your home. It can also provide information on Andaman and Nicobar's road network and status Know your vehicle details at “Know your vehicle details” by entering the registration number at the mParivahan website. Login to the insurance company website that you have registered with and enter your registration number or chassis number to know your vehicle details.

  • The payment amount is calculated according to the number of days that you have driven the car and the value of your car.
  • The total price for insurance for a car is calculated by multiplying the number of days that you have driven the car by a certain factor.
  • This factor depends on how many miles per day you drive and how much your car is worth.

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