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Why You Must Buy Add-On Covers in Motor Insurance (Complete Guide)

Motor insurance is essential for every vehicle owner, but most people misunderstand one thing — a basic comprehensive policy is not enough. It does not cover many modern risks like engine damage, electronic failure, depreciation, tyre issues, floods, water logging, and more.

To bridge these gaps and reduce out-of-pocket expenses, insurers offer add-on covers. These optional covers provide powerful protection at a nominal extra premium.

Related: Best Motor Insurance Plans in India for 2025

🚗 Why Add-On Covers Are Important in Motor Insurance

1. Normal Motor Insurance Has Many Exclusions

A standard comprehensive policy does not cover:

• Engine damage due to water ingression
• Tyre or wheel damage
• Electrical/electronic system failures
• Depreciation on parts
• Consumables cost

2. Add-Ons Reduce Major Repair Costs

With add-ons, your total claim settlement increases significantly. Many repairs become zero-cost for you.

3. Protects From Modern Road & Weather Risks

Flooding, potholes, and expensive sensors are common reasons for high repair bills today. Add-ons protect you from such losses.

🔰 Important Add-On Covers & Their Benefits

Add-On Cover	Key Benefits
Zero Depreciation	No depreciation deductions; higher claim payout.
Engine Protect	Covers water damage, hydrostatic lock, oil leakage repairs.
Return to Invoice (RTI)	Get full invoice value if the car is stolen or totally damaged.
Roadside Assistance	Breakdown support, towing, emergency fuel, jump-start, etc.
Tyre Protect	Covers tyre burst, sidewall cuts, and rim damage.
NCB Protect	Keeps your No Claim Bonus even after a minor claim.

💡 Advantages of Buying Add-On Covers

• ✔ Prevents heavy repair costs
• ✔ Gives full protection against floods and engine damage
• ✔ Ideal for new, luxury, and high-end vehicles
• ✔ Enhances claim amount
• ✔ Ensures peace of mind

❓ Frequently Asked Questions (FAQs)

What are add-on covers in motor insurance?

Add-on covers expand your motor insurance coverage by protecting you from additional risks like engine damage, tyre issues, and depreciation loss.

Are add-on covers worth the extra premium?

Yes. They can save thousands of rupees during repairs and increase your claim payout.

Which add-on is the most important?

Zero Depreciation and Engine Protect are the most valuable for all new and mid-range cars.

Also Read: What is Zero Depreciation Cover in Motor Insurance?

🏁 Conclusion

Motor insurance add-ons convert a basic policy into a fully protective shield. For a small additional cost, they help you avoid huge repair bills and make your insurance truly complete.