10 Essential Add-Ons to Enhance Your Motor Insurance in India 2025

Buying a motor insurance is mandatory in India. No matter whether you own a commercial vehicle or a personal car, you cannot be allowed to ride on roads without a valid third-party insurance cover. Learn more about why motor insurance is mandatory in India. If you are looking for enhanced protection, you can go for a comprehensive motor insurance policy. 

Also, do you know that insurers also provide you the option to choose add-ons for your vehicle? It is like adding extra toppings to your pizza - To explore the types of coverage in motor insurance, click here.

These add-ons are like little insurance saviours, stepping in to protect you from unexpected costs. Think of them as your financial safety net, ready to catch you if something goes wrong. From roadside assistance to zero depreciation cover, there's an add-on for almost every need. But with so many risk cover options, it can be tough to know which ones are worth it. Discover tips to compare motor insurance policies to find the right ones for you.

By understanding these add-ons, you can customize your car insurance policy to fit your specific needs and ensure comprehensive protection for you and your vehicle. Learn how to choose the best motor insurance for your needs.

In this guide, we have covered the best add-ons for motor insurance, explaining what they cover, and why you might need them. We will also help you understand more about the add-ons so that it can help you make informed decisions. Remember, your smart decision can help you save your hard-earned money, drive with peace of mind, and secure yourself from the unforeseen financial problems arising out of accidents. So, let us begin the tour of the world of motor insurance add-ons!

Do you know what Motor Insurance Add-ons are?

It has been observed that vehicle owners today stay alert and believe in going for the maximum risk coverage. For the same, a comprehensive motor insurance policy has become the prime choice of many users. Many insurance companies with the aim of providing users with enhanced risk protection have facilitated add-ons to save customers from unnecessary financial burdens in actual times of need. For more on this topic, explore motor insurance myths vs. facts.

How can you buy Add-ons for your car?

With digitization, internet penetration has increased resulting in an increased number of users. People have access to insurance aggregators like InvestKraft. which provides a platform to compare motor insurance policies and purchase add-ons. If you're confused about the difference between motor insurance vs. car insurance, we’ve got you covered.

Why Motorcar Insurance Add-ons are Needed?

Motor insurance aims to provide financial risk coverage against uncertainties like natural calamities and manmade calamities. Apart from that, there can be more reasons due to why you may be required to pay money from your pocket. For example, your vehicle stops all of a sudden and does not kick start on the highway. You may run out of fuel due to heavy traffic on the road, your car tyre gets punctured and the garage is 10 kilometres away, and many more odd situations where you actually feel the need for assistance. Also, depreciation due to wear and tear can attract good expenses. Do you know all these and a few other situations can be covered under insurance with the help of add-on coverage? For more, read about the importance of motor insurance.

Buying add-ons or riders can provide additional coverage and help you avoid financial stress caused by unwanted conditions and uncertain accidents. It is because of the above reasons, that going for riders is important. Adding at least one out of the many like roadside assistance, Loss of personal belonging, Depreciation Waiver Cover, or No Claims Bonus protection can be a good decision.

Your Roadside assistance Rider can cover the services listed below:

• Towing your car
• Delivering fuel if you run out
• Changing a flat tyre
• Minor on-site repairs
• Jump-starting a dead battery
• A lost car key replacement

There are the top 10 add-ons to boost your motor insurance coverage in India;

The below-discussed motor insurance add-ons or riders can be a good choice for vehicles plying on Indian roads:

1. Engine Protector: Our car's engine is its heart, and it can be quite expensive to repair. This add-on protects your engine from damage, like waterlogging, oil spills, and mechanical breakdowns. Typically, this add-on is suitable for cars up to 5 years old.
2. Zero Depreciation Cover: Insurance companies usually deduct depreciation from the claim amount when you make a claim. This add-on ensures you get the full claim amount, without any depreciation deductions. It's ideal for newer cars, usually up to 5 years old.
3. No Claim Bonus Protection: No Claim Bonus (NCB) is a discount on your premium for not making any claims. This add-on protects your NCB even if you make a claim. Anyone who wants to safeguard their NCB and premium discounts.
4. Return to Invoice Cover: Your car's value decreases over time. This add-on ensures you get the full invoice value of your car in case of total loss or theft. People who want to replace their car with a new one of the same models.
5. Roadside Assistance: Being stranded on the road can be a nightmare. This add-on provides on-road assistance, like towing, fuel delivery, and tire change. Everyone who drives and wants peace of mind.
6. Personal Accident Cover: Protects you and your loved ones financially in case of accidents. Provides financial compensation in case of accidental death or disability. Everyone who wants to protect their family's financial future.
7. Personal Accident Cover for Passengers: Protect your passengers in case of accidents. Covers medical expenses for passengers in case of accidents. People who often carry passengers in their cars.
8. Key Replacement Cover: Lost or damaged car keys can be a major hassle. Covers the cost of replacing lost or damaged car keys. Everyone who wants to avoid the stress and cost of replacing car keys.
9. Loss of Personal Belongings Cover: Protect your personal belongings inside your car. Covers the cost of stolen or damaged personal belongings. People who often carry valuable items in their car.
10. Outstation Emergency Cover: Provides financial assistance in case of emergencies while travelling. Provides financial aid for expenses like accommodation and transportation. Frequent travellers who want extra protection.
11. Consumable Cover: This covers the cost of replacing small parts like nuts, bolts, and oil filters. Covers the cost of replacing consumables in your car. People who want to avoid additional expenses for small repairs.
12. Tyre Protect Cover: Protects your car's tyres from non-accident damages. Covers the cost of repairing or replacing damaged tyres. People who want to protect their tyres from punctures, cuts, and other damages.
    Concluding Thought.

To conclude, motor insurance add-ons are like secret tools known to boost your policy coverage and provide extra peace of mind. They are designed to protect you from a wide range of unexpected expenses, from roadside breakdowns to accidental damage.

Remember, when choosing add-ons, it is important to consider your specific needs and budget. Don't just go for the most expensive options; focus on the ones that offer the best value for money. And remember, it is always a good idea to read the policy documents carefully to understand the terms and conditions. The premium for your comprehensive motor insurance will increase on adding riders. For the information on the way premium is calculated, you can explore the InvestKraft blog section.

By understanding the different types of add-ons and how they work, you can make informed decisions and customize your motor insurance policy to suit your lifestyle. So, go ahead and upgrade your policy with the right add-ons and enjoy a worry-free ride!

Frequently Asked Questions (FAQs)

Q1. What are motor insurance add-ons?

- Motor insurance add-ons are optional covers that you can purchase along with your basic motor insurance policy. They offer additional protection against various risks and can significantly enhance your overall coverage.

Q2. Are motor insurance add-ons mandatory?

- No, motor insurance add-ons are not mandatory. You can choose to purchase them based on your specific needs and budget.

Q3. What are some of the most popular motor insurance add-ons?

- Some of the most popular motor insurance add-ons include:

• Roadside Assistance
• Zero Depreciation Cover
• Personal Accident Cover
• Engine Protection Cover
• Fire and Theft Cover

Q4. How much do motor insurance add-ons cost?

- The cost of motor insurance add-ons varies depending on factors such as the type of vehicle, the insurer, and the level of coverage.

Q5. Can I add or remove add-ons after purchasing my policy?

- Yes, in most cases, you can add or remove add-ons to your motor insurance policy after purchasing it. However, there may be certain restrictions and terms and conditions.

Q6. Will adding more add-ons increase my premium?

- Yes, adding more add-ons to your motor insurance policy will generally increase your premium. However, the increase in premium may be offset by the additional coverage and peace of mind that the add-ons provide.

Q7. What is the difference between comprehensive insurance and add-ons?

- Comprehensive insurance is a type of motor insurance policy that covers a wide range of risks, including accidental damage, theft, and third-party liability. Add-ons, on the other hand, are optional covers that provide additional protection beyond the basic coverage offered by comprehensive insurance.

Q8. How can I choose the right add-ons for my needs?

- To choose the right add-ons for your needs, consider factors such as your driving habits, the age of your vehicle, and your budget. You can also consult with your insurance agent to get personalized advice.

Q9. Are there any age restrictions for purchasing add-ons?

- No, there are generally no age restrictions for purchasing motor insurance add-ons. However, some insurers may have specific terms and conditions.

Q10. Can I claim multiple add-ons in a single claim?

- Yes, in some cases, you may be able to claim multiple add-ons in a single claim. However, the specific terms and conditions will vary depending on the insurer and the policy.  
 

Author: Rajesh Mishra

Rajesh Mishra is a professional and multilingual writer with over 12+ years of versatile experience in content writing.

He has crafted compelling narratives across a diverse array of industries, including BFSI, fintech, IT, pharmaceuticals, e-commerce, education, fashion, and more. He is a commerce graduate from Mumbai University. His strong academic foundation and passion for storytelling enable him to engage audiences and deliver impactful content.

 

He is adept at transforming complex concepts into clear, relatable language, making his work accessible to both, industry professionals and everyday readers. He thrives in dynamic environments, leveraging his extensive knowledge to create articles, blogs, whitepapers, and marketing materials that resonate with target audiences. Driven by a commitment to excellence and a keen eye for detail, Rajesh Mishra continuously explores emerging trends and technologies, ensuring his content remains relevant and thought-provoking.