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When you buy car insurance, it gives you basic coverage against accidents, theft and damages. But did you know you can make your policy even better with motor insurance add-ons?
Add-ons in car insurance help cover specific risks that a standard car insurance policy may not. For example, you can get coverage for things like engine damage, roadside assistance and nil depreciation or bumper-to-bumper cover.
At Reliance General Insurance, we offer a range of car insurance add-ons to give you extra peace of mind while driving. With our add-ons, you can customise your comprehensive car insurance plan for greater protection and enjoy worry-free journeys.
Keep reading below to learn more about the different types of add-ons in car insurance that we offer.
Add-on covers in motor insurance are an extra benefit you can add to your basic comprehensive car policy for more protection. While a standard car insurance policy covers common things like accidents and theft, it may not cover everything. Add-on covers help fill these gaps.
Remember, you cannot opt for add-on covers with a third-party car insurance plan. Add-ons are only available for the comprehensive and own damage car policies.
So, how do these add-ons help? For example, if your car engine is damaged due to waterlogging, a standard policy may not cover it, but an add-on cover like Engine Protection will.
These add-on covers in motor insurance are important because they let you customise your policy based on your needs. Instead of sticking to just the basic coverage, you can choose add-ons like nil depreciation, return-to-invoice and others. This way, you get a more personalised insurance plan that protects you from more risks.
Reliance General Insurance offers a variety of auto insurance add-ons to make sure you are fully covered, helping you feel more secure on the road.
Also Read: Comprehensive Vs Third-party Car Insurance Plans
As much as it is important to renew your car policy on time, you should also try to pick the right add-on covers to keep your prized possession (and your pockets) safe on the road.
Reliance add-on covers in car insurance offer a wide range of add-on covers to enhance your car insurance policy. The right add-on insurance for cars provides extra protection beyond the standard coverage, giving you peace of mind on the road.
You can choose the most important add-ons in car insurance as per your needs and budget from the options specified below, depending on your specific needs. By adding Reliance car insurance add-ons to your policy, you can enjoy personalised coverage and better financial protection in case of unexpected events or damages.
The Pay-As-You-Drive add-on lets you pay for car insurance based on how much you actually drive. It is a smart choice if you do not use your car often, helping you save on premiums.
With this Reliance General add-on, you pay for a set number of kilometres, known as the Limit Sure option. If needed, you can buy extra kilometres or even carry forward unused ones.
This add-on is cost-effective for low-mileage drivers. It ensures you only pay for what you use, making it an economical and flexible option.
Also Read: How Does Usage-Based Insurance Work?
Nil Depreciation, also known as Bumper-to-Bumper car insurance add-ons, ensures you receive the full value for any part replaced after an accident. This means that no depreciation is deducted from the compensation, allowing you to recover the total cost of replacement parts.
A zero depreciation cover offers coverage for the complete cost of all parts, including plastic, rubber and metal, which would normally be subject to depreciation. It ensures that your vehicle's value remains intact, especially when parts are replaced after an accident.
With this add-on insurance for your car, you will need to pay for depreciation on parts, which can save you significant money during repairs. It is particularly beneficial for keeping your car's overall value high after damages and replacements.
Also Read: 5 Types of Car Insurance Coverages in India
The Engine Protection in car insurance shields your car's engine, which is often the most expensive part to repair or replace. This is one of the most important car insurance add-ons and provides crucial coverage for engine damage due to factors that a standard policy may not include, like water seepage or oil leakage.
These auto insurance add-ons cover engine repairs and replacements due to issues like water damage during floods or internal oil leaks. This protection is important, especially in areas prone to flooding or where the engine is more susceptible to damage
This add-on saves you from bearing the high costs of engine repairs, which can otherwise lead to substantial financial strain. It ensures that your car's engine stays protected, providing peace of mind and reducing unexpected expenses.
Return-to-Invoice or RTI in car insurance add-on cover reimburses the original invoice value of your car if it is declared a total loss due to theft or severe damage. This means you receive the amount you paid when purchasing the car rather than just the depreciated Insured Declared Value (IDV).
Return-to-invoice in car insurance covers the entire on-road price of your vehicle, including taxes, registration fees and other associated costs. This is especially valuable for new cars, as it compensates the full price, protecting you from financial loss in case of total damage or theft.
With these add-ons in car insurance, you are fully compensated for the actual purchase price of your car, ensuring minimal financial loss. It is particularly helpful for newer vehicles where the difference between the IDV and the actual purchase price is significant.
Total Cover ensures you receive the full on-road price of your car, including extra expenses like registration and taxes, in case of a major loss or damage. This add-on guarantees that no out-of-pocket costs are required, even in serious scenarios.
It covers the complete on-road price of the vehicle, including the car's price, road taxes, registration fees and the insurance premium you paid. This ensures you are not financially burdened in cases of severe damage or when your car is declared a total loss.
This add-on is designed to give complete protection without leaving you to bear any major costs in extreme situations. It offers full financial recovery, making it a wise choice for comprehensive coverage.
The EMI Protection Cover ensures your car loan EMIs are taken care of if your vehicle undergoes long repairs due to damages. This cover helps keep your finances in check during extended repair periods when you might otherwise struggle to make loan payments.
If your car is in the garage for more than 21 days for repairs, this add-on covers the cost of your monthly EMIs during that time. It provides much-needed financial relief in case your car is out of use for an extended period.
This add-on pays EMIs when your car is undergoing repairs. It helps prevent financial stress during long repair periods and ensures you do not fall behind on loan payments.
The No Claim Bonus Protection Cover helps you retain your No Claim Bonus (NCB) even if you make a claim on your car insurance policy. The NCB protection in car insurance is a discount you receive for not making claims, and this add-on allows you to preserve it even after an accident.
It covers up to two claims within the policy term, letting you keep your NCB intact. This means that even after filing a claim, you will not lose the discount you have earned over time.
This add-on in car insurance ensures that your NCB discount remains unaffected, so you continue to enjoy lower premiums even after making claims. It is a valuable benefit, helping you save money on future renewals by retaining your bonus.
Also Read: Do's and Don'ts While Filing a Car Insurance Claim
The Daily Allowance Benefit provides financial support for alternate transportation while your car is being repaired. This add-on covers the costs of commuting, so you do not have to worry about how to get around during repair periods.
It provides a fixed daily amount to cover your transportation needs for a certain number of days when your vehicle is in the garage. This amount helps you manage daily commuting expenses while your car is unavailable.
It saves you from paying out of pocket for transportation while your car is being repaired, ensuring minimal inconvenience. The add-on helps ease the stress of having your car in the garage by covering alternate transport costs.
The Passenger Cover add-on provides financial compensation in the unfortunate event that passengers are injured or lose their lives during a car accident. The passenger cover in car insurance extends the protection of your car insurance to cover not just the driver but also the individuals travelling with you.
This motor insurance add-on offers coverage for medical expenses, disability, or death compensation for passengers injured in an accident. It ensures that passengers receive the necessary financial support for medical care or compensation in case of a tragic event.
Passenger Cover provides peace of mind, knowing that everyone in the vehicle is protected, not just the driver. It adds an extra layer of security, ensuring that your loved ones or passengers are cared for in case of an accident. Hence, this is one of the most crucial car insurance add-ons.
The car roadside assistance add-on cover add-on provides round-the-clock help in case your vehicle breaks down, no matter where you are. With 24x7 Roadside Assistance, you can count on immediate support whenever you are stranded due to a vehicle malfunction or emergency.
This is one of the most popular motor insurance add-ons and this includes services such as towing, fuel delivery, flat tyre changes, battery jump-starts and even help with keys if you are locked out of your car. Additionally, in severe cases, this add-on covers accommodation costs if you are stuck far from home.
It offers peace of mind, knowing that help is always just a phone call away, minimising the stress of unexpected breakdowns. This add-on cover in motor insurance ensures you are never left stranded on the road, providing both safety and convenience in emergencies.
Also Read: The Role of Car Insurance in Road Accidents
The Key Replacement Cover in car insurance protects you from the high cost of replacing lost or stolen car keys. Modern car keys can be expensive, and these auto insurance add-ons ensure you are financially covered for replacement.
The car key lost insurance covers the cost of replacing car keys, and, if necessary, changing the locks. It also includes expenses for cutting new keys, ensuring that all key-related issues are fully taken care of.
You will not have to worry about the unexpected cost of replacing high-tech keys, which can be quite expensive. These add-on covers in motor insurance save you from the hassle and cost of key replacement, ensuring your car's security is maintained.
Also Read: Fines for Driving without Insurance in India
RIM Protection is designed to cover the costs of repairing or replacing damaged rims on your vehicle. This add-on is especially beneficial if your car has expensive or custom rims that would be costly to repair.
It includes the repair or replacement costs for rims damaged by accidents or wear and tear. The cover ensures that your vehicle's aesthetics and functionality remain intact without high out-of-pocket costs.
You can keep your car's rims in top condition without worrying about the high costs associated with repairing or replacing them. This add-on ensures that your vehicle maintains both its looks and performance, providing financial protection for rim-related damages.
Tyre Protection Insurance Cover provides financial coverage for damage to your car's tyres. It includes repair or replacement costs, ensuring your tyres remain in good condition and your vehicle is safe on the road.
It covers the costs of tyre repairs or replacements due to accidental damage, punctures, or general wear and tear. This ensures that your tyres are in optimal condition, providing safe and reliable driving.
This add-on ensures that your car's tyres are well-maintained, minimising the risk of road accidents due to poor tyre condition. It offers financial protection for unexpected tyre damages, keeping your vehicle safe and road-ready.
A consumables cover in car insurance takes care of the costs of small yet essential items needed after an accident, such as nuts, bolts, grease and lubricants. These are usually not covered by a standard car insurance policy, making this add-on a valuable addition.
The Loss of Personal Belongings add-on protects you from the financial loss of valuables stolen from your car. This cover ensures that you are reimbursed for the loss of important personal items like electronics and other valuables.
It covers the theft or loss of personal belongings such as laptops, smartphones and other valuables stored in a car. The reimbursement amount is subject to a specified limit, ensuring you recover the value of your lost items.
This add-on gives you peace of mind, knowing that your valuable belongings are protected even if they are stolen from your car. It provides financial compensation, helping you recover quickly from theft or loss.
Geo Extension extends your car insurance coverage to include certain international countries. This add-on is especially useful for those who frequently drive their cars across borders, providing seamless protection.
It covers your vehicle while driving in countries like Pakistan, Nepal and Bangladesh, as well as during sea and air travel. This ensures that your car is protected even when you are outside Indian territory.
This add-on offers the convenience of extended coverage when driving abroad, eliminating the need to worry about local insurance rules. It ensures that your car is safeguarded wherever you travel, providing peace of mind during international journeys.
This car insurance add-on provides coverage for the repair or replacement of electrical accessories installed in your car. It ensures that custom-installed features like audio systems or navigation units are financially protected.
It covers any electrical accessories such as speakers, stereo systems or GPS devices that you have added to your vehicle. If these items are damaged in an accident or stolen, this add-on takes care of their repair or replacement.
This add-on ensures your expensive electrical enhancements are protected, so you do not have to bear the high cost of repairs or replacements. It safeguards your investment in custom tech accessories, keeping your vehicle functional and enjoyable.
Also Read: Enjoy Car Insurance Discounts with Anti-Theft Devices
This motor insurance add-on is designed to cover the costs associated with non-electrical accessories in your vehicle. It protects custom upgrades like seat covers, alloy wheels or other non-electrical modifications.
It covers the repair or replacement of non-electrical components, including custom seat upholstery, alloy wheels and other visual enhancements. Whether damaged in an accident or stolen, these accessories are protected under this add-on.
With this coverage, you can rest assured that your vehicle's aesthetic or functional upgrades are financially protected. It keeps your modifications safe and ensures your car's appearance remains intact without costing you extra.
Also Read: How Your Car Insurance Premium is Affected by Modifications
This add-on offers reimbursement for hotel stays if your vehicle breaks down far from home. It provides financial assistance to cover your accommodation when you're stranded due to a vehicle malfunction.
It covers hotel costs if your car becomes unusable and you are stranded more than 200 kilometres away from your registered address. This is particularly helpful during long trips or when your car faces significant repair delays.
This add-on ensures you have a safe and comfortable place to stay during unexpected vehicle breakdowns. It removes the worry of finding accommodation while ensuring you do not have to pay out-of-pocket in stressful situations.
This add-on is tailored specifically for electric vehicles, providing coverage for damage or theft of the EV's battery. Since the battery is a critical and expensive component, this protection is essential for EV owners.
It covers the cost of repairing or replacing the battery of your electric vehicle in the event of damage, theft or malfunction. This protection ensures that the heart of your EV remains safeguarded from unforeseen incidents.
It saves you from the high expenses of battery repair or replacement, which can be costly due to the advanced technology involved. This add-on helps keep your EV fully operational without disrupting your finances.
Electric Motor Protect covers your electric vehicle's motor, another critical and expensive part of the vehicle. This electric car insurance add-on ensures that you are financially covered for any motor-related issues your EV might encounter.
It includes repair or replacement costs for the electric motor in case of damage or malfunction. Whether due to accidents or wear and tear, this add-on ensures the EV's motor is protected.
This add-on protects you from potentially large repair bills for your EV motor, ensuring your vehicle remains in running condition. It offers peace of mind by covering one of the most essential and expensive parts of your electric vehicle.
This add-on covers the repair or replacement of your electric vehicle's charging unit, a vital component for EV owners. If your charging unit is damaged or stolen, this protection ensures you can continue charging your vehicle without unexpected costs.
It includes the costs to repair or replace your EV charger, whether damaged in an accident or stolen from your home or vehicle. This ensures that your ability to charge your EV is never compromised.
The add-on prevents the financial strain that comes with replacing or fixing your EV charger. It allows you to maintain your charging setup and keep your EV fully functional without worrying about extra expenses.
The important add-ons in car insurance covers offer extra protection beyond the basic car insurance policy, safeguarding against specific risks like engine damage, theft or depreciation.
The auto insurance add-ons help minimise your personal financial burden by covering costs that standard policies do not, such as repairs for accessories or full reimbursement without depreciation.
Add-ons ensure you are financially prepared to handle unforeseen expenses, keeping both you and your vehicle secure.
With add-on covers in motor insurance, you can drive confidently, knowing that you are well-protected against unexpected events, including breakdowns or accidents.
Add-ons in car insurance allow you to tailor your policy to fit your individual needs, whether you need protection for personal belongings, 24x7 roadside assistance or extended coverage for passengers.
Also Read: Car Insurance Benefits in Case of Natural Disasters
Evaluate your driving habits, car usage and specific risks. For example, long-distance drivers may benefit from Roadside Assistance, while those with high-end accessories might need Electrical Accessories Coverage.
The important add-ons in car insurance cost extra, so ensure they fit within your budget. Weigh the extra premium against the value of enhanced coverage to decide if the benefits are worth the expense.
Ensure the add-ons in car insurance address gaps in your basic car insurance, providing well-rounded protection. For instance, an Engine Protection Cover could complement a standard policy that does not cover engine damage.
Consider the age of your car, the environment you drive in and common hazards like theft or breakdowns. Select the auto insurance add-ons that cover the most relevant risks to ensure you are fully protected.
Also Read: How to Choose the Right Car Insurance Policy
No, add-on covers are not mandatory, but they can significantly enhance the protection offered by your basic car insurance. They provide extra financial security by covering specific risks. You should choose add-ons based on your individual needs to maximise the value of your coverage.
No, add-ons are not available with third-party car insurance policies. They can only be added to comprehensive car insurance plans or standalone own-damage policies, as these offer broader coverage beyond third-party liability.
Absolutely! You can select multiple add-ons to enhance your car insurance policy. This allows you to tailor your coverage to suit your specific needs better and provide comprehensive protection for your vehicle.
The choice of add-ons depends on your driving habits, car value and risks. If you drive long distances, Roadside Assistance might be helpful, while car insurance with a bumper-to-bumper cover is useful for new car owners to avoid depreciation costs.
If you drive fewer kilometres, the Pay-As-You-Drive add-on is ideal. It adjusts your premium based on the distance travelled, making it a cost-effective option for low-mileage drivers.
Disclaimer *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).
The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.
Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819.
Details mentioned here are for the product- Reliance Private Car Policy- Standalone Own Damage, (UIN-IRDAN103RP0001V01201920) Details mentioned here are for the product- "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819
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