Car Insurance Add-on Covers
Car Insurance Add-on Covers
Car insurance add-ons, also known as riders, are the voluntary offerings with a car insurance policy that enhance the vehicle coverage. The purpose of the auto insurance add-on is to extend the car insurance coverage for an extra premium.
There are various types of add-ons in a car insurance policy based on the vehicle owner’s needs, such as engine security, tyre security, roadside assistance and more. In this guide, we will learn in detail about the must-have add-ons in car insurance.
Car Insurance Add-on Covers
Ways to Find Car Insurance Policy Number
What are Car Insurance Add-on Covers?
Car insurance add-ons are optional benefits that policyholders can include in their base or standard plan by paying an extra premium. These add-ons come with own-damage or comprehensive car insurance policy.
These add-ons help in lowering the out-of-pocket costs for various vehicle damages such as engine damage, consumables expenses and more. The add-ons provide policyholders with additional financial security by offering extra coverage tailored to specific risks.
Benefits of Add-ons in Car Insurance
Adding an add-on to car insurance plans offers additional security to the policyholder based on their vehicle needs. Here are some of the benefits of including add-ons in a car insurance policy.
Reduced Out of Pocket Expenses
The car policy with add-ons helps reduce the out-of-pocket expenses for vehicle owners. Add-ons like engine security, consumable covers, and more help save hefty repair expenses, which otherwise fall on the vehicle owner.
Comprehensive Financial Protection
The car insurance add-on offers comprehensive financial protection to vehicle owners which are generally excluded in standard plans. These add-ons ensure complete protection for vehicle owners from unexpected financial burdens.
Maximum Claim Payout
Another benefit of including add-ons in car insurance is that it offers maximum claim payout. Add-ons like zero depreciation cover help in receiving a full claim payout without any depreciation deductions.
Customisable Coverage
Add-ons in car insurance allow vehicle owners to build car insurance coverage tailored to their specific driving needs. From luxury car owners to urban commuters, the plan can be customised based on your needs.
Better Vehicle Resale Value
Adding car insurance add-ons can help maintain and even enhance your vehicle’s resale value by preserving its condition. It ensures repairs use quality parts at authorised garage and demonstrates responsible ownership.
TATA AIG Car Insurance Add-ons
TATA AIG offers various unique add-ons with own-damage and comprehensive car insurance plans. These optional riders allow policyholders to tailor coverage to match their driving habits, vehicle type, and financial preferences.
Vehicle owners can purchase these add-ons at the time of buying and renewing their car insurance
plans. Policyholders need to pay a marginally increased premium for these add-ons. By including these add-ons, policyholders can reduce their financial liability during accidents, breakdowns, or total losses.
How Do Auto Insurance Add-ons Work?
The working of auto insurance add-ons is pretty straightforward. Vehicle owners can include these add-ons at the time of buying and renewing a car insurance policy. Let us understand the working of add-ons with an example.
Car Insurance Without Add-ons
Arjun buys a new Scorpio car and opts only for a standard car insurance plan with no add-ons. One day, his car’s engine suffers damage due to water entering during heavy rain. The repair cost comes to ₹50,000.
Since engine damage caused by water is not covered under a regular policy, his insurance company rejects the claim. Arjun has to pay the entire ₹50,000 from his own pocket.
Car Insurance with Add-ons
At the time of renewing his policy, Arjun adds engine protection and zero depreciation covers to his plan. Since Arjun lives in a flood-prone area, a similar incident occurs again, resulting in ₹50,000 worth of engine and part damage.
However, this time, Arjun has an engine protection add-on, which means TATA AIG will cover engine and gearbox damages caused by water ingress. Further, zero depreciation add-ons ensure he gets full reimbursement for replaced parts without depreciation deductions.
This way, Arjun pays nothing for repair, as his add-ons fully cover both damages with minimal out-of-pocket expenses.
List of TATA AIG Car Insurance Add-ons
There are various unique add-ons offered under own-damage and comprehensive car insurance plans. These add-ons are:
| Key Add-ons | Details |
|---|---|
| Zero Depreciation | This add-on will pay for the amount of depreciation deducted on the value of parts replaced under own damage claim, filed under section 1 of the policy |
| Daily Allowance | Under this add-on, the policyholder will receive the daily allowance to meet the cost of hired transport to reduce their inconvenience if car repair services are taking time. |
| Return to Invoice | With this add-on, the policyholder will receive the car invoice value including taxation and registration charges in case of total loss and theft of the vehicle. |
| No Claim Bonus Protection Cover | This add-ons allows policyholders to make a claim without losing the no-claim bonus discount during the policy tenure. |
| Belongings | The add-on will pay for the loss or damage to the insured and their family members’ personal belongings. |
| Emergency Transport & Hotel Expenses | Under this add-on, if the vehicle is immobilised after an accident, the add-on will cover for the emergency transport and overnight hotel stay expenses. |
| Key Replacement | In the event when the car keys are lost and stolen, the add-on will cover the cost of replacing and repairing car keys |
| Engine Secure | This add-on will cover the cost of replacing and repairing the engine and gearbox damage of the insured vehicle. |
| Tyre Secure | With this add-on, the cost of replacing and repairing the damaged insured vehicle tyres are covered. |
| Consumable Expenses | This add-on will cover for the consumables cost such as nuts, bolts, engine oil, etc which are required to replace and replenish after an accident. |
| Roadside Assistance | Under this add-on, if the vehicle breaks down in a remote area or suffers an accident, the policyholder will get emergency assistance. |
| Reinstate Cover | If you did not report damage to a panel immediately but are now filing a valid own damage claim, this add-on may cover the repair of that previously unreported damage. |
| Emergency Medical Expenses | In the event of an accident, the add-on will cover the emergency medical expenses of the driver, occupant or insured person. |
| Electric Surge | This add-on will cover for the partial or total or constructive total loss, destruction or damage to electric vehicles. |
| Additional Towing Charges | The add-on will cover the cost of towing the insured vehicle to the nearest garage in the event of loss or damage to vehicle. |
| Additional Third Party Property Damage Cover | This add-on will cover for the third-party and property damage caused by the insured vehicle. |
| Misfuelling | The add-on will cover the cost of flushing out the wrong/adulterated fuel filled at fuel filling station including replacement of parts damaged due to wrong fueling. |
| Vehicle Loan Protector | This add-on will cover the outstanding vehicle loan amount payable by policyholder to financial institutions in the event of death or permanent disability. |
| Pay As You Drive | This add-on will allow you to pay the car insurance premium based on the kilometres driven. |
Exclusion of Car Insurance Add-on Covers
While the add-ons cover a wide range of events, they come with certain exclusions, such as:
| Exclusion Under Add-ons | Details |
|---|---|
| Zero Depreciation |
|
| Return to Invoice | - Not payable if total loss or theft claim under Section 1 is not valid or admissible.
Theft claims require submission of a final police report confirming theft. |
| Daily Allowance Add-on |
Not payable for claims involving only windscreen or glass damage. Claims are not admissible if the vehicle is not repaired at an authorised garage. No allowance if time required for repair is up to 3 days. Not payable when the own damage claim is invalid or inadmissible. |
| No Claim Bonus Protection |
Claims related only to windscreen, glass, partial theft of accessories, or total theft with new vehicle purchase are excluded from affecting NCB |
| Key Replacement |
Excludes costs other than those specified for key replacement and lock repairs. Does not cover keys for vehicles not personally owned by the insured. Break-in protection claims require an official police report for validation. |
| Engine Secure |
Excludes wear and tear, aging, and depreciation. Excludes damage covered under manufacturer warranty or preventive maintenance. |
| Tyre Secure |
Excludes damage due to normal wear and tear, defective wheel alignment, suspension issues, or manufacturing defects. Losses before policy inception or within the first 15 days of policy start are excluded. Excludes damage from racing, illegal use, or neglect of periodic maintenance. |
| Consumable Expenses |
Only covers consumables associated with admissible own damage claims. No coverage if your own damage claim is invalid or vehicle not repaired at authorised garage. |
| Roadside Assistance |
Services not covered if the vehicle is used for racing, illegal activities, or outside permissible use conditions. Not applicable during acts of God such as war, terrorism, natural disasters, or government restrictions. |
| Electric Surge |
Excludes loss from manufacturing defects, failure to follow manufacturer instructions, or use of non-approved battery/charger. |
| Repair of Fibre, Glass, Plastic and Rubber Parts |
Excludes coverage for the cost of painting without any repair cost associated with these parts. |
| Loss of Personal Belongings |
Excludes coverage for money, cheques, credit or debit cards, bank drafts, manuscripts, paintings, and similar items. |
| Emergency Transport and Hotel Expenses |
Excludes claims submitted outside the policy schedule. |
| Reinstate Cover |
Excludes coverage for the vehicle not repaired at an authorised garage or workstation. Excludes the cost of logos, parts, stickers, emblems, and similar items. |
| Emergency Medical Expenses |
Excludes expenses related to sickness, disease or medical disorder not directly related to accidents. Excludes medical expenses that are not supported by the original medical bill and receipt. Coverage is not provided if the medical expenses begin more than 5 days after the date of the accident. Any medical expenses arising from self-inflicted injury are excluded. |
| Additional Towing Charges |
Towing charges incurred under section I of the policy are excluded. Towing charges for damage and loss under the Manufacturer’s Warranty or recall campaign. |
| Misfuelling |
Excludes coverage for more than one permissible claim during the policy tenure. |
| Vehicle Loan Protector |
Excludes coverage for claims under Section I. Excludes coverage if the vehicle is a total loss or a constructive total loss. Excludes coverage for default in payment of EMI in the last year preceding the date of accident. |
Things to Consider While Buying Add-ons in Car Insurance
When it comes to purchasing important add-ons in car insurance, there are certain factors to keep in mind.
Vehicle Usage
The very first thing to consider while buying car insurance with add-ons is vehicle usage. For instance, if the vehicle is luxury or new, adding a zero depreciation add-on is beneficial. However, if you travel frequently, then include roadside assistance for emergency services.
Inclusions and Exclusions
Another thing to consider when purchasing car insurance with an add-on is the inclusions and exclusions. Knowing what is covered under the add-ons and what is not is also important to make an informed decision.
Add-ons Price
While purchasing a car insurance policy with add-on cover, it is crucial to pay attention to price. The add-ons are voluntary offerings for which you need to pay an additional premium cost.
Network Garages
Various add-ons require repairs at authorised garages for claims to be valid. Therefore, it is crucial to check the network of garages near you before buying add-ons.
How to Buy TATA AIG Car Insurance with Add-ons?
To buy a TATA AIG car insurance plan with an add-on cover is easy. You have to follow the steps mentioned below.
- Browse the TATA AIG website and hit the “Personal” section. Select “Car Insurance" under the Motor Insurance section.
- Go to the “Insure your brand new car” option. Fill up the vehicle details, such as brand name and variant, and click the “Continue” button.
- Various car insurance plans offer choices between standalone own-damage or comprehensive car insurance, the insured declared value, and add-ons.
- Once done, complete the CKYC process and enter the additional vehicle details as requested by the portal.
- After doing that, pay the car insurance with an add-on price using a preferred payment method.
Upon successful payment, the policy will be sent to your registered email address.
How to Renew TATA AIG Car Insurance with Add-ons?
If your car insurance with an add-on is about to expire, then you can renew it easily with TATA AIG. Here is how to renew the plan.
- Open the TATA AIG website and click on the “Renewal” section. Select the “ Car” option.
- Next, enter your car registration number or policy number. Click on the “renew” button.
- Review your car insurance policy and modify or update the IDV or add-ons based on your vehicle requirements.
- Enter the requested information, carefully review it, and then pay for the car insurance, including the add-on price.
After successful payment, you will get the renewed car insurance policy at your registered email address.
How to Claim Car Insurance with Add-ons?
Claiming car insurance with add-ons with TATA AIG is simple. Policyholders can make reimbursement or cashless claims. Here is how to make both claims with TATA AIG.
Reimbursement Claims
- Step 1: After an accident or damage to an insured vehicle, inform us about the incident via a self-claim portal or by calling the helpline number (02264898282).
- Step 2: After that, take your vehicle to any of the authorised garages of your choice and pay the repair bills.
- Step 3: Collect all the repair bills and invoices. After that, initiate a claim by filing a claim form and submitting all the documents.
- Step 4: We will review the claim form and all supporting documents. Once approved, we will transfer the claim settlement amount directly to your bank account.
Cashless Claims
- Step 1: Inform us about the incident via the self-claim portal or by calling the helpline number (02264898282).
- Step 2: Next, find the network garage using a garage locator and take your vehicle to the garage.
- Step 3: Submit the policy documents to the garage owner, the garage owner will initiate the claim.
- Step 4: We will assign a surveyor to inspect the vehicle damage and documents. After verifying the document, we will approve the cashless claim request.
- Step 5: Once the claim is approved, the garage owner will start the repair process. The repair bills will be settled by us directly with the garage owner.
Also Read: Car Insurance Claim
Documents Required to Claim Car Insurance with Add-ons
Here is the list of documents you need to submit at the time of filing a car insurance claim.
- Duly signed and filed vehicle claim form.
- Copy of car insurance policy documents.
- Vehicle documents such as a driving licence, registration certificate, etc.
- Photos of the damaged vehicle.
- First information report in case of theft and total loss.
- Copy of identification and address proof.
- Any additional documents requested by the representative.
Also Read: Documents Required to file a Car Insurance Claims
Key Takeaways
A car insurance add-on is a crucial safety net for vehicle owners to save themselves from hefty repair expenses. Whether you own a luxury vehicle or are an inexperienced driver, having important add-ons in car insurance in India, like zero depreciation and roadside assistance, enhances the vehicle insurance coverage.
However, when buying a car insurance policy, ensure you include add-ons tailored to your specific needs. For example you live in a flood prone area, then include the engine security add-on.
We at TATA AIG offer various car insurance plans customised to your specific needs. For instance, our 3rd party car insurance offers protection against third-party or property damage caused by insured vehicles.
Furthermore, our own-damage and comprehensive car policy offers extensive coverage to vehicle owners. Moreover, these plans also come with various add-ons like tyre security, daily allowance benefit and more to enhance the vehicle coverage.
With an extensive list of network garages, NCB discounts up to 50% and an easy buying and renewing process, we ensure top-notch coverage for our policyholders. Secure your vehicle with the TATA AIG car policy now!
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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