Planning to Buy Car Insurance? Include These 3 Add-Ons for Maximum Coverage

Even if you have car insurance, you may not always get the full claim amount due to deductions by the insurance company. To ensure maximum compensation in case of accidents or theft, you should consider adding some special add-ons to your policy. These add-ons can reduce financial losses and provide better protection when making a claim.

Here are three must-have car insurance add-ons to help you get the full value of your car:

1. Return to Invoice (RTI) Cover

✔️ If your car is stolen or completely damaged in an accident, this add-on ensures that you receive the full on-road price of the car instead of just the Insured Declared Value (IDV).
✔️ Available only for new cars (usually up to 3 years old).
✔️ Helps you recover the exact amount you paid for the car at the time of purchase.

2. Engine Protection Cover

✔️ The engine is the most expensive part of a car, and repairs can be costly.
✔️ A standard insurance policy does not cover engine damage caused by accidents or mechanical faults.
✔️ With this cover, the insurance company will bear the cost of engine repairs or replacement.
✔️ Note: This cover does not provide compensation for damage caused by water entering the engine (e.g., flooding).

3. Zero Depreciation Cover

✔️ Over time, car parts lose value due to depreciation.
✔️ In a normal insurance claim, you do not get the full cost of spare parts due to depreciation deductions.
✔️ With this cover, the insurance company pays the full cost of spare parts, ensuring maximum claim value.
✔️ Ideal for new and expensive cars.

Why You Should Consider These Add-Ons?

✅ Get full compensation for your car in case of theft or total loss.
✅ Avoid depreciation deductions, ensuring higher claim amounts.
✅ Save on costly repairs, especially for engine damage.