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    Home»Zero2Turbo»Are Car Insurance Add-ons Really Useful?
    Zero2Turbo

    Are Car Insurance Add-ons Really Useful?

    By Zero2TurboApril 12, 2018Updated:April 19, 2018No Comments
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    Car insurance provides the much-needed coverage against financial losses arising due to natural or man-made calamities such as earthquakes, theft, and vandalism, among others. It ensures financial security towards loss or damage to your vehicle.

    A third-party policy offers coverage against any damage caused to third party or property. A comprehensive car insurance plan provides risk coverage towards damage or loss of your car in addition to the benefits provided by a third-party cover.

    In order to enhance coverage of your car insurance plan, you may opt for riders. Such riders, also known as add-ons, may be purchased along with your existing car insurance plan. You may, therefore, enjoy comprehensive protection for your vehicle.

    Following are five most popular riders available in the market.

    1. Roadside assistance rider

    The chances of your car breaking down in the middle of the road cannot be eliminated. In such a situation, you may have to seek immediate help, which may or may not be available. This may cause you a great deal of inconvenience. A roadside assistance rider offers help in case your vehicle breaks down due to any reason whatsoever. The insurer is liable to arrange for fuel, change the tire, or tow your vehicle to the nearest garage.

    1. Zero depreciation rider

    General car insurance online policies offer reimbursement for the depreciated value of the damaged car parts. A zero-depreciation rider, however, protects you from depreciation. This means that the insurer provides the complete claim amount without deducting the depreciation value. Such a rider is highly beneficial if you have a high-end vehicle, as the cost of auto parts is generally high.

    1. Engine protection rider

    The engine is the most important part of your car. You may, therefore, protect your engine by investing in an engine protection rider. Such an add-on offers financial coverage in case your engine is damaged due to wear and tear, leakage of lubricating oil, or entry of water, among others. Therefore, you may shield yourself from making out-of-pocket expenses towards repairing or replacing your engine.

    1. Consumables add-on

    In case of an accident, the mechanic may require consumables such as bolts, engine oil, coolant, minor nuts, and brake fluid, among others. Most car insurance policies do not cover such consumables. The cost of such expenses may result in a financial strain. You may, therefore, opt for a consumables add-on and avoid such expenses.

    1. Accidental cover for passengers

    The risk of an accident while on the road cannot be ruled out. By opting for an accidental cover, you are eligible to receive compensation in case of disability. Such an add-on also offers financial protection against an unfortunate event of death. The insurance provider offers a certain sum assured amount, which may be used by you and your family as an income replacement.

    You may, therefore, enjoy additional protection by purchasing car insurance riders. You may obtain rider-related and car insurance details by visiting your nearest branch or by browsing through the insurer’s website.

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