Car insurance is essential for every car owner, but a basic policy doesn’t always cover every situation you might face on the road. That’s why adding the right insurance add-ons can be a smart move to protect yourself against unexpected costs and hassles. Here are 10 practical add-ons that can make a real difference in your car insurance plan.
1. Zero Depreciation Cover
Normally, when you file a claim, insurance companies deduct depreciation on car parts, which means you get less money back for repairs. With a Zero Depreciation or Nil Depreciation add-on, you get reimbursed for the full cost of replacing parts without any deduction for wear and tear. This is especially useful for newer cars since it minimizes your repair expenses.2. Engine Protection Cover
Your car’s engine is its heart, and fixing it can be expensive if it suffers damage from things like water entering the engine or oil leaks. This add-on offers coverage for such repairs, which aren’t usually included in standard insurance. It’s a lifesaver in places prone to heavy rains or floods.3. Roadside Assistance Cover
Imagine being stranded with a flat tire or a dead battery far from help. Roadside assistance ensures you’re not stuck alone—it covers services like towing, tire changes, battery jump-starts, and even fuel delivery. For anyone who drives long distances or in remote areas, this add-on is invaluable.4. Return to Invoice Cover
If your car is totaled or stolen, regular insurance only pays the current market value, which decreases with time. Return to Invoice add-on changes that by paying the actual purchase price including registration and taxes, so you can recover the full value and replace your vehicle without a loss.5. No Claim Bonus Protection
Your no claim bonus (NCB) rewards you with discounts for every year you don’t make a claim. But if you do make a claim, you lose this bonus. With this add-on, you can file a claim without affecting your accumulated discounts, helping keep your premiums low in the future.6. Key Replacement Cover
Losing your car keys or having them stolen can be a costly headache. This add-on covers expenses for replacing keys and related lock repairs, easing the burden of an unexpected key mishap.7. Consumables Cover
Whenever your car is repaired after an accident, certain consumables like engine oil, brake fluid, and nuts or bolts might need replacing. These are usually excluded from basic cover, but this add-on ensures these necessary costs are taken care of during claims, saving you extra out-of-pocket expenses.8. Tyre Protection Cover
Flat tires or damaged tires due to everyday wear or road debris aren't usually covered by standard insurance. This add-on reimburses you for tire repairs or replacements without claim impact, ideal for those who drive frequently or on rough roads.9. Loss of Personal Belongings Cover
If your valuable personal items like laptops, phones, or bags are stolen from inside your car, this add-on helps you recover the loss. It fills a gap left by standard policies that focus only on the vehicle itself.10. Daily Allowance Cover
If your car needs repairs after an accident, you might have to arrange alternative transport. This add-on pays you a daily allowance for such inconvenience, helping cover taxi fares, rental cars, or other travel costs while your vehicle is being fixed.Trending Now: 10 Essential Car Accessories Every Owner Needs Right Now
Final Thoughts
Adding these riders to your car insurance policy can boost your coverage and reduce the stress of dealing with accidents, theft, and breakdowns. While each comes with a small extra premium, the peace of mind and financial protection they offer can be worth much more.Tailoring your policy with add-ons suited to your driving habits and environment ensures you’re ready for whatever the road throws at you. Whether it’s protecting your engine from water damage or ensuring you’re never stranded without help, these add-ons bring significant value beyond basic insurance.