Buy Accessories Cover In Car Insurance

Accessories cover is a part of the insurance plan for your car. It covers the costs related to accidents, theft, and damages that happen to your car's accessories. The accessories cover is optional, but it is highly recommended for people who want to be protected from any kind of accident. The coverage includes things like tires, windows, and other details that are not included in the normal insurance policy.

If you own a car, you would likely want to customize your car by adding various accessories to it that allow you to personalize it as your own and reflect your style, needs, and wants. Such accessories that are added to cars are likely to be quite expensive.

This creates the added need of ensuring that they are protected and that you have coverage for them in case of unfortunate events such as theft. However, it is important to be aware that standard comprehensive car insurance coverage would not cover features such as your expensive car accessories.

Why Accessories Cover is Important?

It is commonly seen that many people believe that their car insurance covers everything in their vehicle, but sadly that is not the truth. If someone breaks into your car, your car insurance will cover the damage to the vehicle, but it will not cover the stolen items from your car.

While purchasing your basic car insurance policy, you can also get a range of add-on options, giving you additional coverage such as accessories coverage. Thus, you will have to buy this car insurance add-on for your accessories because comprehensive car insurance does not cover your expensive car accessories.

Car accessories enhance the beauty and appearance of the car. These car accessories are valuable and hence need to be insured. If the policyholder stays in an area which is a place that is more vulnerable to natural disasters or theft-prone then it is important to get these accessories for the car insured. Usually, people do not pay attention to these essential add-on covers offered by the insurance companies along with the basic coverage and opt only for add-ons out of their requirements.

Real Life Scenario:

Ajay has bought a new car and has installed additional accessories like a new music system, seat covers, and fog lights. In a few days, a thief breaks into his car and steals his expensive accessories. Ajay is lost because his car insurance does not cover his stolen accessories, now he has to pay for all that from his pocket.

In this case, had he bought a car accessories add-on cover while buying his comprehensive car insurance policy it would have compensated for the loss of the stolen items? Thus, adding a car accessories cover will save you from a major expense if any such event occurs.

What are Accessories covered in Car Insurance?

Accessories Add-on in car insurance provides financial coverage for the accessories for the car that are used for both aesthetic and functional purposes. Whether it is a high-end stereo or an LNG kit, an LED screen or suave alloy wheels, or glossy interior fittings or portable fire extinguishers these additions to the car reflect one’s personality, tastes, preferences, and lifestyle choices.

These accessories and fittings are classified as electrical and non-electrical fittings in your car. Under electrical/electronic fittings in the vehicle, the insurer provides a cover for items such as fog lights, music system, air-conditioner (if not as a standard fitment), and spoilers with brake light. Non-electrical fittings such as seat covers and non-electrical spoilers are covered as per the own damage tariff on the value of such accessories.

Electrical accessories: Electrical accessories cover any electrical part and/or electronic equipment that is not factory fitted with the car, such as fog lights. The value of electrical accessories will be as declared by the insurance provider.

  • Music player
  • Mini LCD TV
  • Fog lights
  • Dash camera
  • Air conditioners
  • Fog lights

Non-electrical accessories: Non-electrical accessories cover any non-electrical part and/or non-electronic equipment that is not factory fitted with the car, such as mag wheels and leather seats. The value of these non-electrical accessories will be the same as their invoice value.

  • Wheel-caps
  • Leather seat covers
  • CNG-kit
  • Alloy wheels or nag wheels
  • Bi-fuel systems
  • Other interior fittings.

What Accessories do you cover?

We cover legal accessories and modifications fitted to your car, with a few exceptions;

  • Anti-theft devices
  • Portable fire extinguishers
  • Phone mount
  • Car camera
  • Vacuum cleaner
  • Battery charger
  • Custom or specialized paintwork
  • Nitro or hydrogen fuel
  • Petrol turbo or supercharger
  • Rollbar, roll cage, or racing harness.


  • Consequential losses
  • Contributory negligence, etc.

How to Get Car Accessories Cover?

The process to add on car accessories cover to comprehensive insurance is the same as adding any other add-ons. You can add this cover when you buy or renew your car insurance.

If you use an insurance comparison site like PolicyBachat, you simply have to click on the option to add accessories cover before you proceed to payment. As said above, check first the value of your non-standard accessories before deciding on the sum insured, subject to the minimum amount set by insurers.

How to Buy/Renew an Accessories Cover Add-on in Car Insurance?

Car insurance can be purchased online from the PolicyBachat portal in two easy steps. At PolicyBachat we cater unbiased comparison of quotes, a 24*7 customer assistance team your motive is to give our customers the right quotes with compare car insurance rates online.

You have the option to purchase this cover via the online mode or the offline mode while buying or renewing your car insurance policy. You can buy a Cover by following the below mentioned steps.

  • Go to compare car insurance quotes online at
  • Fill in the required details and select your Car Model & Variant, RTO Location, Registration date, and Email address.
  • Click on the “START SAVING MONEY”.
  • Choose a Comprehensive Insurance plan.
  • Premiums with different insurance companies are displayed with low premiums.
  • Select the Accessories Cover from the available Add-ons
  • After that fill in the ‘vehicle owner details and personal details.
  • Purchase the best Car Insurance Policy using online payment
  • If any queries are raised call: 1800–123–4003.

What is covered?

  • Damage to the insured accessories arising due to an accident, calamity, etc., is usually covered by the policy.
  • Theft/burglary of the insured accessories is also covered.

What is not covered?

  • If the terms and conditions of the policy are not met, then the accessory won’t be covered. For example, damage to the car’s accessory while the private car was used for illegal/commercial purposes.
  • Claims initiated after one month are usually not covered.

Who should buy this cover in Car Insurance?

Accessories Add-on in Car Insurance should be bought by the followings:

1. People with luxurious car accessories

Buying luxurious car accessories enhances the appearance of the car however it is important to have coverage for the same in case of any mishap or theft to have financial coverage.

2. People residing in the theft-prone area or a place that is more vulnerable to natural disasters

If the policyholder lives in an area that is either theft-prone or a place that is more vulnerable to natural disasters then he/she should opt for this cover to have financial coverage of the same.

Top Companies that Offer Accessories Cover in Car Insurance Policy:

Companies Plan IDV Additional Covers & Discounts Premiums
TATA AIG 1 year comprehensive 1.62 lakh Electrical and Non Electrical Cover 4793 View Plans
National 1 year comprehensive 1.84 lakh Electrical and Non Electrical Cover 4267 View Plans
Royal Sundaram 1 year comprehensive 2.26 lakh Electrical and Non Electrical Cover 5342 View Plans
HDFC ERGO 1 year comprehensive 2.40 lakh Electrical and Non Electrical Cover 5989 View Plans
Bajaj Allianz 1 year comprehensive 2.96 lakh
  • Electrical and Non Electrical Cover 24x7 Roadside Assistance
  • Key replacement
  • NCB Discount
  • Commercial Discount
6234 View Plans

Conclusion: If you are someone who spends a lot of time in your vehicle, you are probably interested in adding a personal touch to the car in the form of customization. This could be anything from adding new car mats to remodeling the cushioning. But what if you are looking to make bigger modifications to your vehicle?

Some changes you make to the car will impact the amount of insurance premium you pay annually. It is best to think about the potential costs that you will be bearing when you alter your vehicle.

As far as car insurance is concerned, modified vehicles are considered to bear higher risks than ordinary cars. It has also been found that car customizations are usually done by young drivers. Insurance companies think that such drivers are generally unsafe behind the wheels. In addition, the replaced/upgraded parts may cost more than the vehicle itself.

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