What Are Add-Ons in Car Insurance?

Pick your favourite add-ons to get the best insurance for a car from TATA AIG.

Add-on Covers	Why Choose it
Depreciation Reimbursement	To reimburse the depreciation deducted on replaced car parts
Engine Secure	For engine damage due to water ingress or oil leakage
Return to Invoice	To cover the difference between the IDV and the on-road price of a new similar car in case of theft, total loss, or constructive total loss
Roadside Assistance Cover	For emergency support, including service for flat tyre, battery jumpstart, and minor on-the-spot repairs.
No Claim Bonus (NCB) Protection	To safeguard the NCB you have earned
Daily Allowance Plus	To cover daily costs while your car is under repair
Consumable Expenses	For consumable expenses like engine oil and gearbox oil
Key Replacement Cover	For replacing lost or stolen keys
Tyre Secure	To cover tyre repair or replacement after an accident.
Loss of Personal Belongings	To cover lost personal items
Emergency Medical Expenses	To cover medical expenses after an accident
Emergency Transport and Hotel Expenses	To cover emergency stay and travel expenses after an accident
Vehicle Loan Protector	To help you cover your outstanding car loan
Misfuelling	To cover damage caused by filling the wrong fuel
Electric Surge Secure	For protection against electrical surge-related damage to electric cars
Depreciation Allowance - Battery	To cover depreciation on battery replacement
Additional Towing Charges	To cover additional towing expenses
Repair of Glass, Fibre, Plastic & Rubber Parts	To repair these parts without affecting your NCB
Additional Third-Party Property Damage Cover	To enhance your third-party property damage cover

Explore the full list of car insurance add-on covers available from TATA AIG with coverage features and exclusions:

Coverage	Exclusions
Pays depreciation on replaced car parts during an own damage claim.	Repairs without part replacement. Repairs done at unauthorized garages.

Explore the full list of car insurance add-on covers available from TATA AIG with coverage features and exclusions:

1. Depreciation Reimbursement

Covers the depreciation deducted on replaced car parts during an own damage claim.

Coverage	Exclusions
• Pays the depreciation deducted on replaced car parts during an own damage claim.	• Repairs where no parts are replaced. • Repairs carried out at an unauthorised garage.

2. Engine Secure

Provides protection against engine and gearbox damage caused by water ingress or lubricating oil leakage.

Coverage	Exclusions
• Covers the repair or replacement expenses of the engine, gearbox, transmission, or differential assembly. • Covers the expenses only if the damage is due to water entering the system or leakage of lubricating oil. • Covers the cost of consumables, such as engine oil and gearbox oil, used during repairs.	• Damage due to ageing, depreciation, or normal wear and tear. • Routine servicing or maintenance. • Damage covered under the manufacturer’s warranty. • Aggravation of damage caused by delays in reporting the claim or moving your car from a waterlogged area.

3. Return to Invoice

Bridges the gap between your car’s Insured Declared Value (IDV) and its original on-road price in case of theft or total loss.

Coverage	Exclusions
• Covers the difference between your car’s IDV and the on-road price of a new similar car in case of theft, total loss, or constructive total loss. • Pays for accessories, bi-fuel kit, registration fees, road tax, and insurance charges. • Applicable to obsolete models and imported vehicles.	• Theft, total loss, or constructive total loss not admissible under an own damage claim. • Theft of the vehicle not confirmed by an FIR or police report.

4. Roadside Assistance

Provides emergency roadside support and assistance services during vehicle breakdowns.

Coverage	Exclusions
• Provides on-the-spot repairs, flat tyre services, and battery jumpstart services. • Emergency fuel delivery and spare key retrieval services. • Towing assistance within 25 km of the breakdown location. • Emergency support including messaging service, taxi support, hotel accommodation, and pickup of the repaired vehicle.	• Roadside breakdown in Sikkim, Mizoram, Tripura, Nagaland, and Arunachal Pradesh. • Loss of luggage or personal items during vehicle service. • Transportation of merchandise, equipment, livestock, or other loads. • Emergency assistance during extremely adverse weather conditions or natural disasters.

5. No Claim Bonus Protection

Protects your earned No Claim Bonus even after making an eligible claim.

Coverage	Exclusions
• Protects your accumulated No Claim Bonus even after filing a claim. • Covers a single own damage claim within the policy period. • Provides NCB protection for theft claims if the new car is insured within 90 days of theft.	• Policy not renewed within 90 days of expiry. • Total loss or constructive total loss claims. • Windscreen, rear glass, door glass, accessories, or individual part claims.

6. Daily Allowance Plus

Offers daily transportation support while your insured vehicle is undergoing repairs.

Coverage	Exclusions
• Daily cash allowance for transport expenses. • Courtesy or hired car while your vehicle is under repairs.	• Repairs not carried out at an authorised garage. • Repairs only for windscreen or glass damage. • Delays due to non-availability of parts or materials.

7. Consumable Expenses

Covers the cost of consumables used during accident-related vehicle repairs.

Coverage	Exclusions
• Covers consumables required for repairs after an accident. • Includes nuts, bolts, screws, bearings, washers, distilled water, engine oil, grease, oil filters, and air-conditioning gas.	• Repairs not carried out at an authorised garage. • Claims not admissible under own damage cover.

8. Key Replacement

Provides reimbursement for costs associated with lost, stolen, or damaged vehicle keys.

Coverage	Exclusions
• Replacement of lost or stolen keys. • Replacement of locks and keys damaged after a break-in attempt. • Labour costs for replacing locks.	• Key replacement for vehicles not owned for personal use. • Claims made without an official police report.

9. Tyre Secure

Protects against accidental damage to tyres and tubes by covering repair or replacement costs.

Coverage	Exclusions
• Covers the repair or replacement of tyres and tubes damaged in an accident. • Covers 50% to 100% of the cost of new tyres and tubes based on unused tread depth. • Covers up to 4 replacements of the same or similar make during the policy term.	• Loss or damage due to regular wear and tear. • Routine wheel alignment, adjustment, and balancing services. • Damage to wheel accessories, rim, or other parts of the wheel. • Damage due to manufacturing defect or design flaw.

10. Loss of Personal Belongings

Provides coverage for personal belongings lost or damaged while inside the insured vehicle.

Coverage	Exclusions
• Loss of the owner-driver and family’s clothing and other personal belongings. • Covers only the costs of personal items present in the vehicle at the time of loss or damage.	• Valuables, including cash, cheques, credit cards, bank drafts, jewellery, travel tickets and watches. • Business goods or samples.

11. Emergency Medical Expenses

Provides financial support for emergency medical treatment arising from an accident involving the insured vehicle.

Coverage	Exclusions
• Covers emergency medical expenses and ambulance charges for injuries to the driver and passengers. • Covers injuries caused by accidents while mounting, dismounting, driving or travelling in the insured vehicle. • Covers the cost of supporting aids like crutches, wheelchairs, and artificial limbs.	• Self-inflicted injuries or accidents due to alcohol/drug consumption. • Physiotherapy treatments and psychosomatic disorders. • Expenses if the medical treatment was received after five days from the accident date. • Medical expenses not supported by an original bill or prescription.

12. Emergency Transport and Hotel Expenses

Provides reimbursement for emergency travel and accommodation expenses after an accident.

Coverage	Exclusions
• Covers the cost of an overnight hotel stay if the vehicle is disabled due to an accident. • Covers taxi expenses for returning to your residence or the city nearest to your destination.	• Hotel or taxi charges not supported by documentary proof. • Claims not approved under own damage claim.

13. Vehicle Loan Protector

Helps cover outstanding vehicle loan liabilities in case of death or permanent total disability of the owner-driver.

Coverage	Exclusions
• Covers the outstanding loan on or against the insured car, subject to the policy conditions. • Payable only in case of the owner-driver’s death or permanent total disability due to an accident involving the insured car. • Loan amount if the car is stolen or damaged beyond repair.	• Additional charges such as late payment charges, prepayment charges, or any outstanding EMIs before the accident. • Death or disability due to intentional self-injury or suicide attempt.

14. Misfuelling Cover

Protects against expenses incurred due to filling the vehicle with incorrect or adulterated fuel.

Coverage	Exclusions
• Cost of flushing and cleaning the fuel system after wrong or adulterated fuel is filled. • Replacement of parts damaged by wrong fuel. • Reimbursement of the cost of the wrong/adulterated fuel.	• Does not cover more than one claim under this add-on. • Does not cover fuel cost reimbursement above ₹2,000.

15. Electric Surge Secure

Provides protection for electric vehicles against damages caused by electrical faults and surges.

Coverage	Exclusions
• Covers damage or loss to electric cars, including the charging equipment caused by electrical issues such as arcing, self-heating and short circuiting. • Covers total loss or constructive total loss up to the car’s Insured Declared Value.	• Loss or damage due to manufacturing defects. • Loss or damage due to not following the manufacturer’s instructions. • Use of batteries, chargers or accessories not approved as per manufacturer’s specifications.

16. Depreciation Allowance - Battery

Reimburses battery depreciation deducted during own damage claim settlements.

Coverage	Exclusions
• Reimburses the depreciation deducted on the battery replacement cost under an own damage claim.	• Does not cover depreciation if the car is repaired at a non-authorised garage. • Loss or damage to battery if the battery value is not included in the policy.

17. Additional Towing Charges

Extends towing coverage beyond the limits available under the base policy.

Coverage	Exclusions
• Additional coverage over and above the base policy for towing the insured car to the nearest garage or service station. • Covers towing costs only when the loss or damage is covered under own damage cover.	• Towing charges covered by the manufacturer’s warranty or recall campaign. • Consequential losses.

18. Repair of Glass, Fibre, Plastic & Rubber Parts

Allows minor repairs without impacting your No Claim Bonus benefits.

Coverage	Exclusions
• Allows one claim for the repair of glass, fibre, plastic and rubber parts without affecting your No Claim Bonus. • The benefit is available only when no other own damage claim is made during the policy period.	• Does not apply if repairs are carried out at a non-authorised garage. • Does not cover the cost of painting parts without any related repairs.

19. Additional Third-Party Property Damage Cover

Enhances third-party property damage protection beyond the base policy limit.

Coverage	Exclusions
• Provides additional cover for third-party property damage beyond the maximum liability limit (₹7.5 lakhs) of the base plan. • Covers only property damage caused solely and directly by the insured car.	• Damage to property owned by you or held in your trust, authority, or control.

Disclaimer: The inclusions and exclusions of the above add-on insurance for cars are not exhaustive and subject to our terms and conditions. Read your policy document carefully to know the full terms.

Minimises Out-of-Pocket Expenses	Covers Unexpected Losses	Pays for Expensive Repairs	Provides Customisable Coverage	Complete Cost Transparency
Auto insurance add-ons like zero depreciation and return to invoice lower your financial burden by covering the cost of repair and replacement. This lowers your out-of-pocket expenses.	Unexpected events like losing your belongings or theft of your car keys are usually not covered. With special car insurance add-ons, these risks can be covered.	The engine secure add-on covers expensive flood-related repairs, while the electric surge secure covers electrical damage to EVs. These add-ons help cover the maximum repair bill.	With certain add-ons for car insurance, tailor your policy to your unique needs. From emergency medical expenses to loan protection and alternative transport, we have an add-on for everything.	Know the costs upfront to customise your plan. TATA AIG’s car insurance calculator and comparison tools let you check car insurance add-on costs and other details.

Check our list of important add-ons in car insurance for different situations and car types:

Best Add-Ons for New Cars

For new cars, these motor add-on covers are suitable choices:

Car Type/Scenario	Recommended Add-Ons	Why Are They Suitable
Brand New Cars	Zero Depreciation, Return to Invoice, Engine Secure, Consumables Cover, and Roadside Assistance	Provides comprehensive risk protection and helps reduce replacement costs.
Long-Distance Travellers	Roadside Assistance, Consumable Expenses, and Tyre Secure	Helps cover breakdowns and small expenses and provides emergency assistance.
Flood-Prone Areas	Engine Secure, Additional Towing Charges, and Return to Invoice	Covers repairs, spare parts, and total loss arising from water ingress.
Electric Cars	Electric Surge Secure and Return to Invoice	Provides specialised coverage for the battery and charging equipment.

The following are some must-have add-ons in car insurance:

Car Type/Scenario	Recommended Add-Ons	Why Are They Suitable
Expensive or Luxury Old Cars	Return to Invoice, Engine Secure, and Roadside Assistance Cover	The add-ons safeguard against expensive repair costs and highly expensive spare parts. They also help secure your car’s replacement value.
Older Cars Prone to Breakdowns	Roadside Assistance, Additional Towing Charges, and Emergency Transportation & Hotel Expenses	Protects you and your co-passengers from sudden breakdowns at remote locations.
Long-Term Policyholders	No Claim Bonus Protection Cover	Covers your accumulated No Claim Bonus (NCB).

• Get Add-Ons During Policy Purchase:

  • Enter your car registration number and click on ‘Get Price’.
  • Provide the necessary car-related and personal information.
  • Check the available plans and modify the policy coverage as required.
  • Select car insurance add-ons based on your preferences and driving needs. Review the premium quote.
  • Pay the finalised premium amount to complete the purchase.

• Get Add-Ons During Policy Renewals:

  • Go to the ‘Renewal’ section and select ‘Car’ from the insurance options.
  • Enter your car registration number or existing policy number and click on ‘Renew’.
  • Review the updated premium and No Claim Bonus (NCB). Modify the coverage if required.
  • Select the add-ons you want to include and review the revised premium.
  • Pay the premium amount to complete the renewal process. `

• Cashless Claim:

  • Inform us by calling our 24/7 helpline (022-6489-8282) and file a cashless claim form online using the claim portal or the TATA AIG App.

  • Upload photos or videos of your damaged car and wait for a surveyor to inspect the vehicle.

  • Take your car to any TATA AIG network garage for repairs.

  • Collect your repaired car and inform TATA AIG.

  • Eligible claim expenses, including add-on benefits, will be settled directly with the network garage.

• Documents Required:

  • Copy of policy documents.

  • Duly filled cashless claim form.

  • Car registration certificate.

  • Driving licence.

  • Self-inspection photos and videos.

  • Garage repair estimate.

  • Identity proof and address proof.

  • FIR or police report (for theft, major damage, etc.).

  • Additional documents (medical bills, court summons, etc.).

• Reimbursement Claim:

  • Inform us immediately and file an online claim through the claim portal or your TATA AIG account.

  • If a network garage is unavailable, get your car repaired at a non-network garage and pay the repair costs.

  • Collect and submit all required documents, including repair bills and payment receipts.

  • A surveyor will inspect the damage and verify the submitted documents.

  • After verification, the eligible claim amount, including applicable add-on benefits, will be reimbursed directly to your account.

• Documents Required:

  • Policy documents.

  • Duly filled reimbursement claim form.

  • Car RC.

  • Driving licence.

  • Original repair bills and payment receipts.

  • Identity proof and address proof.

  • FIR or police report (for theft, major damage, etc.).

  • Additional documents (medical bills, court summons, etc.).