Car Insurance Add-On Covers

Add-on covers are additional features of an insurance policy that provide coverage to the aspects of the vehicle that are not covered by the base policy. Thus, they help to widen the scope of your motor insurance by providing cover for additional car parts and circumstances.

There are many types of add-on covers in motor insurance, and each provides coverage to a specific part of the car. Thus, it is crucial to choose the right add-on for your vehicle as per your requirements.

Since the TATA AIG add-on covers are not a part of the base plan, each add-on involves a nominal cost. TATA AIG offers various add-on options, ensuring you can get maximum protection for your vehicle.

Zero Depreciation Cover

Also known as depreciation reimbursement cover, this add-on reimburses you the full claim amount without deducting the depreciation amount from the value of the parts replaced under your own damage claim.

Exclusions:

If parts are not replaced and depreciation is not deducted, the claim will not be considered.

If the vehicle is repaired at any garage which is not a part of our authorised garage network, the claim will not be valid.

Useful for:

New car owners may consider buying this add-on cover to reduce out-of-pocket expenses in the event of an accident.

No Claim Bonus Protection

NCB is a benefit provided by the insurer if you do not make any claim against your vehicle insurance during the policy year. The NCB benefit accumulates for every claim-free year, allowing you to earn a discount of up to 50%. However, if you make a claim, you lose the no-claim bonus discount. But with an NCB protection cover, you can make one own damage claim without losing the NCB benefit.

Useful For:

Those who want to make a small claim without losing the NCB benefit may include this add-on.

Daily Allowance Plus

If the insured vehicle is damaged and is under repair services, this add-on cover provides you compensation in the form of a daily allowance or courtesy car hire.

Daily allowance: The allowance will be paid for the period beginning from the day on which your vehicle reaches the garage for repair or the survey day, whichever is later and will end on the day the vehicle is ready for pickup from the garage. The cover can be availed for 4/6/8/10 days. In case of theft or total loss, the number of days is 15.

Courtesy Car Hire: If your vehicle is in repairs, we shall arrange another vehicle for you to commute. However, the car may not be an exact replacement for the insured vehicle and will be made available within 24 hours of receiving the intimation from you. A courtesy car will be provided if the vehicle repair time is more than 24 hours.

The following options are available under the courtesy car:

• Lesser of 8 hrs/80 km per day

• Lesser of 10 hrs/100 km per day

• Lesser of 12 hrs/120 km per day

If you do not wish to avail yourself of a courtesy car or daily allowance, we shall pay you the transportation expenses mentioned in the policy schedule.

Exclusion:

• If the windscreen or glass part of the car is damaged.

• If the vehicle is not repaired at the authorised garage.

• If the claim is inadmissible.

• If the repairs are not admissible under the policy.

• If the vehicle is stuck in the garage due to the unavailability of parts.

• Time excess if chosen by the policyholder voluntarily.

Useful for:

Those individuals who use their insured vehicle to commute daily and do not have other personal vehicles.

Also Read: Daily Allowance in Car Insurance

Engine Protection

An engine protector in car insurance is an add-on cover to protect the engine, which is the most crucial component of your vehicle. With this add-on, you are covered for the repair and replacement of engine parts, gearbox, transmission, etc. It covers the damage or loss due to water ingress or oil leakage from the engine or respective assembly, such as engine oil or gearbox oil, but excludes fuel.

Exclusions:

• Excludes loss or damage that is covered under the manufacturer’s warranty or forms a part of the maintenance or recall campaign.

• Loss or corrosion due to delay in intimation to us.

• Damage due to wear and tear, ageing or depreciation.

Useful for:

Those living in high rainfall or flood-prone areas may benefit from this add-on.

RTI Cover in Car Insurance (Return to Invoice Cover)

In case of total loss or theft of the car, the insured receives only the maximum sum allotted fixed by the insurer, which causes the insured to suffer a loss due to depreciation and other factors. When you opt for a return to invoice cover, you are entitled to receive the full invoice value of the car, i.e. the on-road price.

Exclusion:

If the theft claim/total loss claim is not valid and admissible.

Useful for:

• If you stay in theft-prone areas, this add-on cover may prove beneficial as it minimises the loss.

• It is also useful for new car owners.

Key Replacement

In case you lose the car keys, this add-on cover will reimburse the cost of key replacement. It also includes the cost of replacing the locks and keys if they are damaged by someone trying to break into your car.

Exclusion:

Does not cover the key replacement cost for vehicles which is not used for personal purposes.

Useful for:

Owners whose cars have remote keys or advanced technologies may consider adding this cover to their insurance.

Tyre Secure

Under this add-on cover in insurance, you get reimbursement for replacing or repairing the tyres if they are damaged due to accidental loss.

Exclusions:

• Tyre damage due to regular wear and tear.

• Loss occurring within the first 15 days of policy inception.

• Loss before policy purchase, etc.

Useful for:

It is beneficial for those individuals who drive their cars on rough terrains where the chances of tyre damage are high.

Also Read: Tyre Protection Add-on Cover

Consumable Expenses

Consumable cover in insurance provides the reimbursement of expenses for replacing the consumables in the car such as engine oil, gear box, lubricants, nuts and bolts, grease, oil filter, etc.

Exclusion:

This cover may not be applicable if the car is repaired at an unauthorised garage.

Useful for:

If you want to avoid paying small bills for accidental expenses for engine oil, filter, etc., consider this add-on cover.

Emergency Transport and Hotel Expenses

If your vehicle is damaged after an accident, this add-on cover provides emergency stay and transport expenses. You may receive reimbursement of hotel charges for one night and transport fare to return to your residence or the nearest city you were travelling to.

Useful for:

This add-on cover is useful for individuals who frequently travel long distances by road or who visit remote areas often.

Loss of Personal Belongings

Under this add-on, TATA AIG provides compensation for the loss of personal belongings of the insured and his family members travelling in the vehicle at the time of the accident.

Exclusions:

Money, securities, credit and debit cards, jewellery, valuables, watches, laptops, etc.

Useful for:

If you want to secure your belongings while on a long journey to a remote location, this add-on cover may be useful.

Roadside Assistance

If you ever get stuck on the road with no help nearby, the roadside assistance cover can rescue you. With this TATA AIG add-on cover, you can receive assistance services if your vehicle breaks down or meets with an accident during the journey. Some of the services included in this add-on cover are:

• Flat battery-jump start service

• Emergency towing service

• Repair on-spot service

• Fuel support

• Pick up repair vehicle

• Hotel accommodation

• Continuation/journey support (Taxi), etc.

Exclusions:

• Vehicles being used for racing, rallying, motorsports, etc.

• Loss or damage of personal effects during such services.

Useful for:

It is useful if you often travel to interior parts of the country or to remote locations.

Also Read: Features and Benefits of Roadside Assistance

Loan Protector Cover

Under the loan protector cover, the outstanding loan amount is paid by TATA AIG if the owner-driver dies or suffers permanent total disability.

Exclusions:

• If death/disability is due to self-inflicted injury, intoxication, suicide attempt, etc.

• Total vehicle loss or theft

• More than one incident during the policy period.

Useful for:

If you have purchased the vehicle on loan, this add-on may prove to be beneficial.

Electric Surge Secure

This add-on cover in insurance provides compensation for loss, damage or destruction caused to the electric vehicle, including its charging equipment due to water ingress, self-heating, short circuit, etc.

Exclusion:

• Loss due to manufacturing defect

• Loss due to ignoring manufacturer instructions

• Using unapproved batteries, chargers or accessories.

Useful for:

Those having electric vehicles may include this add-on cover for added protection.

Emergency Medical Expenses

This add-on cover provides for the medical expenses of the passengers who may get injured in an accident. It includes reimbursement of expenses as mentioned in the policy.

Exclusions:

• Expenses related to sickness or illness not connected with the accident.

• Physiotherapy treatment

Useful for:

If you want to protect yourself and other occupants in the car, this cover may be useful.

Repair of Glass, Plastic and Rubber Parts

You can get reimbursement of expenses for repairing the glass, plastic or rubber parts at one of the authorised garages of TATA AIG without affecting the NCB benefit, provided the claim does not exceed more than once during the policy year.

Exclusion:

It excludes the cost of painting such replaced parts.

Useful for:

Those who want to get the glass, plastic and rubber parts repaired without losing the NCB benefit may consider this add-on.

Additional Third-Party Damage Cover

If a third-party property suffers damage due to the insured vehicle, this add-on will cover the expenses for the same.

Exclusion:

It will not provide any damages to the vehicle/property owned by the policyholder.

Useful for:

New drivers may consider purchasing this add-on cover.

Misfuelling

You can get a reimbursement for the cost of removing wrong or adulterated fuel filled at a fuel station. It also includes the cost of replacement for the parts damaged due to the wrong fuel. You can also claim the cost of adulterated fuel to a maximum of ₹2000 after submitting the original bill.

Useful for:

If misfuelling is a common problem in your area or if you often travel to areas where misfuelling prevails.

Depreciation Allowance-Battery

The rate of battery depreciation is usually deducted from the claim at the time of settlement. However, this add-on pays you the depreciation value of the battery replaced under own damage claim.

Exclusions:

Battery loss or damage is excluded if it is not included in the IDV or not endorsed in the policy.

Useful for:

If you want to save yourself from battery depreciation loss, which is 50% of the battery value.

Additional Towing Charges

You get additional coverage for towing charges, which is above the amount mentioned in the policy. You can opt for an amount between ₹5,000 to ₹50,000 in multiples of ₹5,000.

Useful for:

This cover is beneficial if you anticipate the towing charge for your vehicle to be high.

Also Read: 5 Additional Add-On Covers to Save Money

Not every add-on cover is suitable for all vehicle owners. Besides, add-on covers can be included in the insurance plan at an additional cost. Thus, you must consider a few essential factors before selecting an add-on cover.

Assess the Need: Before you choose any add-on cover it is necessary to assess your requirements and specific conditions. For instance, if you stay in disaster-prone areas where there is frequent flooding, then you must choose the engine protection cover.

Cost Consideration: It is crucial to know that car add-on cover comes at an additional cost. The more add-ons you include, the higher your premium will become. Thus, choose only those add-on covers in motor insurance which are necessary and beneficial to you.

Vehicle Age: Some add-on covers may not be available to older cars. Thus, when you want to include add-ons, consider your vehicle’s age and find out if the add-on is available for your vehicle.

Travelling Habits: Some add-on covers are specifically useful if you are a frequent traveller, travel through rough terrains or travel to distant places. Thus, based on your travel habits, you may choose add-ons such as roadside assistance, tyre protection, etc.

• Visit the official website of TATA AIG and choose ‘Car’ from the insurance categories.

• Enter the vehicle registration number to know the cost of insurance. If you wish to renew your car insurance, click on the ‘Renew’ option.

• Choose the insurance plan that suits your requirements. Here, you can also include the add-ons from the list if necessary.

• Pay the premium online using the secure gateway.

• Your policy will be sent to the email address shortly after receiving the premium and verification.

Four-wheeler insurance plays a significant role in shielding you against a plethora of unfortunate events which lead to heavy financial losses. Add-ons in insurance are additional features and benefits that enhance the scope of insurance to provide you with wider coverage.

TATA AIG provides various add-on covers as a part of the comprehensive and own damage cover, which can be purchased in a few simple steps. Our riders ensure you can drive with peace of mind and save money in the long run.

Besides, we offer affordable car insurance prices along with many beneficial features such as 24/7 assistance, high claim settlement ratio, cashless repair facilities, online purchase and renewal facilities, add-ons and much more.

If you wish to include add-on covers to your insurance plans and find out the cost, you can do so by using our car insurance calculator. It helps you to compare various plans and find out the premium cost beforehand. Secure your vehicle with the most efficient plan from TATA AIG and drive confidently!