How to Choose Add-Ons for My Car

Well, looks like you are on the run of choosing the best add-ons for your cars. A lot of suggestions must have poured in from your family and friends. Before you seriously reviewing their suggestions, conduct a self-survey to understand what exactly you need if for your car and how to choose an add-on depending on the city you reside, the type of four-wheeler you own, the average distance traveled, usual problems faced while driving, etc.

Let us look at add-on before you choose and add it to the cart.

  • Engine Cover:

Who should choose?

Someone residing in the flood areas of India or places where water logging takes place,

Why should you choose?

The engine is the most expensive components of the car and repairs are costlier. To safeguard your car engine from engine failure or damages, it is important that you have Engine cover add-on to cover expenses under car insurance.

How does it work?

It protects your car from water ingression, leakages of oil, engine failure due to hydro-static lock, damages in the gear box etc. In a situation like this, the insurer settles the entire amount for engine repairs or replacements (metal and plastic parts too).

 

  • No-Claim Bonus Protection (NCB) Protector:

Who should choose?

For good drivers and safe ones too, who hasn’t claimed car insurance in the preceding years, must opt for NCB cover.  Or you are somebody staying in the accident-prone area; paying more is worth to protect your NCB discount better.

Why should you choose?

It is associated with policyholder and not your four-wheeler. You can retain your NCB if you replace with a new car or switch over to another insurer at the time of renewal.

How does it work?

It works on renewals only. It is to protect your NCB discount and not reduce your premium amount. You can earn a discount up to 50% in the form of no claim bonus discounts. You get a no-claim bonus if you do not make any claims during the year. Suppose, you make the first claim of Rs. 30,000/- during the year in such a case you will not be allowed for a bonus. But when you have an NCB protector, you will be entitled to a bonus (maximum of two claims in a year).

 

  • Road Side Assistance:

Who should choose?

For a traveler, or is on tours.

Why should you choose?

In case your car breaks down on the road and leaves you stranded, this assistance makes arrangements for –

  • the flat tire,
  • running out of the fuel,
  • technical issues,
  • taxi and accommodation benefits
  • battery related
  • Mechanic visit
  • Towing

How does it work?

24 X7 emergency assistance will be given to you even in the remotest part of India on just a phone call.

 

  • Personal Accident Cover Of Driver And Passengers Add-On:

Who should opt?

If you are a frequent traveler!

Why should you choose?

If you often travel with family, you must have passenger accident cover along with your personal accident add-on cover. The car owner’s nominee is also eligible for a claim up to 100%. If you are an owner of multiple cars, this add-on can be availed only for one.

 

  • Voluntary Deductible For Car:

Who should choose?

Though not add on exactly, voluntary deductible option is most suited for confident drivers.

Why should you choose?

Insurance companies have a compulsory deductible amount that depends on the engine capacity of the car. Voluntary deductible, an add-on, where the higher you choose, the lower the premium you get to pay for your car insurance. So basically, it is a part of an amount that you pay towards the repairs of the car on an accident apart from the compulsory deductible which could be very rare.

Choose an insurer who can give you service, coverage and best price for your four-wheeler add-ons.

To know more about the different types of add on covers for your car, check out the following link https://www.acko.com/car-insurance/add-on-covers/