Car insurance add-ons are optional features that enhance the scope of your base policy. In 2025, with rising repair costs and unpredictable weather events, add-ons can provide much-needed financial protection. This blog explores the most beneficial add-ons available in India and how they impact your claim experience.
Zero Depreciation Cover
This add-on ensures that no depreciation is deducted when settling claims for replaced parts like bumpers, plastics, and metal components.
Use Case:
Asha’s 2-year-old car suffered damage in a minor accident. Thanks to her zero depreciation cover, the insurer paid the full repair cost without deducting depreciation on parts.
Engine Protection Cover
Covers internal engine damage due to water ingress, oil leakage, or gearbox issues - not included in standard plans.
Use Case:
During monsoons in Mumbai, Vikram’s SUV stalled in waterlogged roads. Engine repairs cost ₹80,000, which was fully covered under this add-on.
Return to Invoice (RTI)
In case of theft or total loss, RTI pays the full invoice value of the vehicle (including road tax and registration), not just IDV.
Use Case:
Priya’s new hatchback was stolen in its second month. Her RTI cover helped her recover the full ₹6.8 lakh invoice amount.
Roadside Assistance (RSA)
Includes towing, jumpstarts, flat tire replacement, battery assistance, and fuel delivery - especially useful for long-distance commuters.
Consumables Cover
Covers the cost of nuts, bolts, engine oil, AC gas, and other consumables generally excluded in basic policies.
Key Replacement Cover
Reimburses the cost of replacing lost or stolen keys and reprogramming the locks.
How to Choose the Right Add-ons
- Evaluate your driving environment (flood-prone, remote areas, etc.)
- Check vehicle age - older cars may not qualify for some covers
- Consider usage: daily driving, long trips, new drivers
Conclusion
Add-ons are no longer a luxury - they’re a smart way to secure your vehicle and reduce claim stress. Choose only those that match your risk profile and vehicle usage. Use PolicyBachat to compare car insurance add-ons across top insurers.
Call to Action:
Compare car insurance with add-ons now - Get Free Add-on Quotes