Car Insurance with Add-On Covers

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What is Add-On Cover in Car Insurance?

We know the importance of a healthy balanced diet! It not only helps us be healthy and fit, but also keeps us physically sound so our energy levels last longer! Well, what if you could find the perfect healthy diet for your car too? With the right Add-ons, you can craft just that right mix for your car that keeps it running for the longest time!

While most of us our more than content with our ‘premium insurance package’-Comprehensive Insurance for our beloved car, many of us are unaware of special surprises that can be ‘Added on’ to your basic ‘premium insurance package’, to instantly transform it to an ‘uber-premium package’😊! That’s exactly what ‘Add on’ covers do!

You have the liberty to choose and pick the ‘Add on’ that entices you the most. So, let’s not keep you waiting. Here is the list of ‘Add on’ covers that you can choose from. Go ahead, take your pick

Note: We recently ran a poll with a group of Insurance Experts as to which ‘Add on’ cover they preferred among all the all the other ‘Add on’ covers.

Car Insurance Add-Ons by Digit

So, let’s start with the top three that they picked:

1. Zero Depreciation

In majority of the cases, it is the car owner who pays for the depreciation and replacement of new spare parts, after an accident. However, if one wants this expenditure to be covered by the insurance company, one needs to buy the Nil or Zero Depreciation add-on to avail the benefits of this cover along with the existing insurance plan. The Nil or Zero depreciation plan covers repair and replacement costs of rubber, plastic and fibre components of the vehicle.

2. Consumables Cover

At the time of claims, usually consumables like oil, nuts and bolts etc. are not covered under insurance. With this add on, you can save on all those consumables that will be covered however small they might be! This add on covers expenses towards consumables which are unfit for further use, arising out of damage due to an accident.

3. Return to Invoice

This is probably a motorist’s worst nightmare- when your car is destroyed beyond repair! In other words, totaled in an unimaginable mishap. Thankfully there’s some conciliation is such extreme cases. Insurance companies will refund the complete value/amount mentioned on the invoice.

So, here are the rest of the ‘Add on’ covers that you can choose and pick. For these ‘Add on’ covers are a ‘personal choice’. Lest we say you don’t need to be an Insurance Expert to pick the one that suits you best😊!

4. Roadside Assistance

Roadside add-on assists you in situations where you need help on the road with your car. The service offers many benefits from getting your set of wheels fixed on the spot to towing or taxi service to help you reach your destination. Roadside Assistance is usually provided to anyone who is stranded anywhere within the radius of 500km from the middle of the city.

5. Engine Protection Cover

This is an add-on that offers financial protection for damages caused to the engine of the vehicle. Any damage caused, from leakage of the lubricating oil to water entering the engine due to natural calamities such as floods, that can cause permanent engine damage is covered under this add on policy.

6. Tyre Protection Cover

Tyres are the shoes of your set of wheels and endure immense torture, more so considering the road conditions in India. So, getting tyre insurance makes complete sense, for modern day tyres don’t come cheap. In fact, a single run flat tyre that comes on top end cars can cos you 1+ lac rupees! And tyre damage can occur when we least expect it and can least afford it.

7. Passenger Cover

This cover ensures the protection of your family and loved ones. For, god forbid, you meet with an accident where you and your near and dear are injured, this cover will ensure that, apart from you, your beloved are covered too and will receive all the necessary financial support till they recuperate, lest we say reducing the emotional stress on you too.


But do note though, that these add-ons come at a negligible premium over and above your basic insurance policy, but trust us, it’s worth every penny.

After all, at the end of the day, you got to lose something to gain something, right😊!