All About Electrical/Non-electrical Accessories in Car Insurance
All About Electrical/Non-electrical Accessories in Car Insurance
Do you possess a four-wheeler, or will you purchase one soon? Either way, it is essential to protect yourself against unforeseen circumstances by investing in a robust comprehensive car insurance policy. After all, a car is more than just a vehicle—it is a reflection of your taste, personality and style. You, as a proud four-wheeler owner, can also enhance its appeal with diverse accessories to make it truly yours.
Accessories, irrespective of non-electrical or electrical, enhance your car’s overall beauty. Given their value, you must ensure these accessories are properly insured.
Many people mistakenly believe car insurance is not particularly useful, and even when they purchase it, they often overlook add-on covers. As a result, essential electrical and non-electrical accessories may remain uninsured.
To avoid this, it is highly recommended to ensure that all your car’s accessories—electrical and non-electrical—are adequately covered under your insurance policy.
Unpacking Electrical and Non-Electrical Accessories in Car Insurance
The electrical and non-electrical accessories in car insurance are an optional add-on to a comprehensive four-wheeler insurance policy. Paying an extra premium, subject to availability, ensures coverage for your car's electrical and non-electrical accessories.
For instance, the music system installed in your four-wheeler is an electrical accessory. To guarantee optimal coverage for the music system, you may opt for the non-electrical and electrical accessories cover. Suppose the music system is stolen or damaged because of an accident; you will be reimbursed for the monetary loss according to the car insurance policy’s terms and conditions.
The Policy Wordings of your car insurance policy mention the details linked to car insurance electrical accessories as well as non-electrical accessories in four-wheeler insurance. Have a look at it to know this add-on’s technical information. In case of any query, get in touch with the insurance provider's (for example, TATA AIG) Customer Support team.
Why Protecting Your Four-Wheeler’s Electrical and Non-Electrical Accessories is a Smart Move!
Accessories, whether electrical or not, definitely enhance the look of your car. They also provide an important but often overlooked benefit by adding to the comfort of your passengers.
Suppose your four-wheeler has a top-notch stereo system, stunning LCD screen, etc.; in that case, you must ensure these electrical accessories in four-wheeler insurance are properly covered. Remember, if you simply obtain a basic car insurance plan, you will only be shielded against the damages due to a mishap, and the accessories fitted in your four-wheeler will remain unprotected.
Also, suppose you consider unpredictable situations like a tragic mishap or an accident. In that case, this add-on cover in four-wheeler insurance becomes beneficial to cover the least expected damages to the vehicle following any unfortunate incident. You may certainly save some of your energy and money from the trouble of re-investing in brand-new accessories at high costs. Though covering your four-wheeler accessories might increase your premium to a certain extent, it would certainly give you mental satisfaction.
Thus, when purchasing insurance for four-wheelers, make it a priority to include coverage for accessories. Remember, when insuring your vehicle, understanding IDV meaning in insurance becomes crucial. The Insured Declared Value (IDV) represents the current market value of your car, including its accessories. Ensuring an accurate IDV calculation helps you determine the right premium and adequate coverage for your vehicle and its add-ons.
Car Accessories Covered by Your Insurance: What is on the List
Well, accessories are broadly categorised as electrical and non-electrical. However, your comprehensive car insurance plan does not cover every accessory.
Different four-wheeler brands put forward distinct combinations of non-electrical and electrical accessories. In several cases, you may have the option to pay a bit extra for additional accessories according to your preference. Luxury four-wheelers can offer upgraded versions of basic accessories or a totally diverse set of accessories.
Here is a comprehensive list of electrical as well as non-electrical accessories that are usually a part of a car in India, which can be insured:
Electrical Accessories in Car Insurance
Outlined below are the basic four-wheeler electrical accessories that can be a part of your four-wheeler:
Complete entertainment system
Music system/player
Air conditioner
Brake lights
Fog lights
Monitor
Non-Electrical Accessories in Car Insurance
Penned below are the common four-wheeler non-electrical accessories that can be a part of your car:
Wheels
Interior Fittings
Bi-fuel systems
Leather seat upholstery
Special seat covers
CNG Kit
Remember: If you plan to install a CNG/LPG kit in your four-wheeler, it is important to ensure the kit is separately insured. This is because a basic car insurance policy does not cover damages to the kit in the event of a mishap.
Also Read: 6 Things to Know Before Opting for a CNG Kit for Your Car
Things Covered/ Not Covered in an Electrical & Non-Electrical Accessories Cover in Car Insurance
The exact coverage and exclusions vary from one insurance provider to another. Hence, it is best to review the Policy Wording and add-on cover features for detailed information. Here is a generic overview of what is included and not included in electrical and non-electrical accessories covered in four-wheeler insurance.
What is Covered?
Burglary/ theft of the insured accessories is covered.
Damage to the covered accessories because of a natural calamity, accident, etc., is generally covered by the car insurance policy.
What is not covered?
Claims made after one month are typically not covered.
If the policy terms and conditions are not satisfied, then the accessory will not be covered. For instance, damage to the four-wheeler’s accessory while the private vehicle was utilised for commercial/ illegal reasons.
Must-Have Car Accessories You Cannot Ignore!
Outlined below are some vital accessories that you may consider to get fitted to enhance the beauty and value of the four-wheeler:**
-Phone Mount: Online maps have been incredibly precise these days. Such maps help you explore a course and help you locate the swiftest method to reach your goal. A mount will ensure you do not have to get your hands off the steering wheel to check your smartphone.
-Fire Extinguisher: The destruction and damage by fire may sometimes be huge. Primarily, we hope you never have to use the fire extinguisher.
However, we can never be sure. Thus, it is wise to have access to a portable fire extinguisher in your four-wheeler, which will be handy during emergencies.
-Car Camera: Otherwise called a Dash Cam, a car camera can be mounted on your car's dashboard. It is a computerised camera that records your excursion. It tends to be utilised to make a good outing video or an instrument for fledgelings in order to comprehend their missteps and show improvement in car driving. It can be helpful during a mishap as the dash camera will catch what happened.
-Tyre Pressure Monitor: A few individuals are very specific about particular subtleties, while some completely overlook them. You may be keen on a Tyre Pressure Monitor unit if you have a place with the main class.
Your car's tyres must fit as a fiddle, and this unit will ensure that the tyres have the proper strain to traverse. If any deviation is observed, your weight screen will inform you, and you may fix the problem.
-Also Read: Add These Useful Accessories to Your Car
Final Thoughts
Making sure your car's electrical and non-electrical accessories are well-covered in your insurance is important for protecting your investment and refining your driving experience. You can protect against theft, damage and unexpected events with the right add-on coverage. This will definitely give you peace of mind.
Do not overlook these accessories. They enhance both your car's performance and appearance. Choose complete coverage and enjoy your drive with confidence and style!
Car insurance from TATA AIG comes with the promise of comprehensive protection during trial times. You can get a car insurance price online with us by calculating the premium amount for your car insurance policy without any hassle.
With easy-to-understand procedures, policyholders can renew car insurance online from our TATA AIG website.
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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