Best Car Insurance Add-Ons/Riders In India 2024

Updated On: 2023-06-22

Author : Team Policybachat

Car insurance add-ons/Riders are the additional features that come with your car insurance policy. These features can be an extension of your basic coverage or they can be a standalone product. Car insurance add-ons/Riders are important because they provide you with more protection and security. For example, if you want to include a personal accident cover as an add-on, it will give you a financial shield in case of an accident that injures you or your family members. As cars are prone to damages or accidents, the policyholder should have extensive coverage add-ons due to potential accidents. Apart from their damage cover and third-party coverage, a policyholder should opt for extra add-ons to save himself from huge financial losses. A list of add-on covers in car insurance are discussed below:

Zero Depreciation:

Zero depreciation cover is also known as bumper to bumper or nil depreciation cover. With zero depreciation coverage, the insured does not have to pay the depreciation value of the damaged or replaced parts and the policyholder can claim the full amount. It applies to vehicles that are less than 5 years old and the policyholder can avail of it twice during the policy tenure.

Invoice Cover:

Return to invoice cover is an add-on available under the own damage section of the car insurance policy. The issue with comprehensive car insurance is that it doesn’t cover the depreciation in case of the total damage of the car. In a total loss scenario, if you have comprehensive insurance the Insured Declared Value (IDV) will be paid to you. This claim amount would not be sufficient to purchase another car.

Key Replacement:

Key protection cover or Key replacement cover is an add-on in Car insurance policy provided by the insurance companies. In case of loss of key or damage to the lock, the insurer will settle the claim amount up to the limit as specified in the policy copy. The sum insured for this add-on ranges from Rs. 50k to Rs.5 Lacs depending on the insurance company and the IDV of the car.

24x7 Roadside Assistance:

We all need a bit of help sometimes! Whenever you face a breakdown of your car on the road, due to an accident, flat tires, malfunctioning battery, or more, with our breakdown assistance add-on, you will have the benefit of getting assistance 24x7. 24x7 Roadside assistance in Car insurance is a breakdown service add-on that is available for the customers to avail under the comprehensive insurance cover at times when the car breakdowns down the road.

Engine Protector:

Engine protector provides financial protection to the insured against any repair or loss of the car’s engine due to leakage of lubricant oil or damage to the engine box due to water ingression. If you stay in a low-lying area that has a huge probability of floods during the monsoon season and driving in water-clogged areas also results in malfunction of the engine. Without this add-on, standalone damage to the engine is not covered under your comprehensive car insurance policy.

NCB Protection:

No claim bonus in car insurance is the discount offered to the customer by the insurance company at the time of renewal for having no claims in the previous policy years. The No claim bonus is given as a discount under the own damage section of the car insurance policy and it ranges from 20% to 50% for every claim free year. The NCB can drastically reduce the premium of car insurance and save a lot of money for the customer. The NCB discount is over and above the own damage discount offered by your car insurance company.

Consumable Cover:

There are certain parts in your four wheeler car such as Engine oil, Gearbox oil, Power steering oil, Coolant, AC oil, Brake oil, Air filter, etc., which are known as Consumable parts. These parts cannot be repaired in case of damage and had to be replaced at the time of claim. The cost of replacement of these parts, in case of an accident, is generally not covered under your comprehensive four wheeler car insurance policy.

Tyre Secure:

Tyre Secure is a car insurance policy that offers protection against tyre damage. The coverage includes the cost of tyre repairs, new tyres, and replacement tyres. It provides liability coverage for the driver and all passengers in the car in case of an accident caused by a damaged tyre.

Hydrostatic Lock:

Hydrostatic Lock occurs when fluids in your car's system cannot circulate properly due to high pressure in one area. It's most common when driving or when your car is stopped for an extended period. A hydrostatic lock is often applied in the context of car insurance- when an insurer refuses to pay a claim for a car accident because they can't find fault with either driver.

Legal Liability to Paid Driver:

Liability to paid driver means that the fact of the driver incurring liability due to fatal/non-fatal injuries to third parties and property damage is held covered. The liability cover refers to the vehicle owner’s liability as an employer to pay compensation under the Employees Compensation Act, 1923 in case of an accident to the vehicle resulting in the death or disability of the paid driver.

Owner Driver PA Cover:

A compulsory PA cover is an add-on cover offered by motor/car insurance providers to the owner-driver of a car that protects him against any accidental bodily injuries, and physical disabilities. The Owner Driver PA Cover is a type of car insurance that can be purchased by an owner driver. It is designed for people who do not meet the eligibility criteria for regular car insurance, and it’s especially popular among people living in rural areas.

Medical Expenses:

Car insurance is not just about the car. It also covers medical expenses in the event of an accident. Many auto insurance policies cover a certain amount of money that can be used to pay for medical bills and other related costs related to an accident.

Daily Cash Allowance:

This add-on compensates the travel allowance to the policyholder when his/her car is under repair for more than 3 days in an authorized network garage.

Loss Of Personal Belongings:

Under this add-on, the insured is indemnified for the loss or damage caused to his/her baggage kept in the insured car due to an insured peril. Personal baggage generally includes clothing, toiletries, perfumes, bags, suitcases, or other daily essentials. Baggage insurance compensates for the loss of baggage due to theft or burglary or due to an accident. However, certain items such as Gold, silver items and other precious metals are not covered in addition to the luxury items such as Laptops, Mobiles, etc.

Spare Car:

Get daily cash benefits to cover your conveyance expense, while your car is being repaired. You get a fixed sum towards hiring a transport while the vehicle is under repair for a valid claim and the repair time is more than 1 day.

Wind Shield:

The windshield is a vital part of a car. It protects the driver and passengers from harsh weather conditions. The cost of repairing or replacing it is quite high which makes it necessary to buy car insurance. The insurance company protects against financial loss in case of an accident or theft. The premium paid by the customer depends on various factors such as type of vehicle, age, driving record, and so on.

PA Cover for Unnamed Passenger:

A compulsory Personal Accident cover of Rs. 1 lakh is available for individual owners of the car while driving (Available only if the owner of the car holds a valid driving license). You can also opt for a Personal Accident cover for passengers (Named or un-named) up to a maximum amount of Rs. 2 lakhs per person.


Loss/damage to the vehicle or its accessories by Fire, explosion, self-ignition or lightning, burglary, theft, by riot and strike; Earthquake (Fire and shock damage); Flood, typhoon, hurricane, storm, cyclone, hailstorm, frost, Accidental external means, Malicious, Terrorist, etc.

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