Buying a car is an exciting experience. But safeguarding your prized possession is equally important. This is when an insurance cover comes into the picture. There are two types of insurance plans you can buy- third-party and comprehensive. With a limited coverage offered by a third-party plan, it is advisable to go for a comprehensive coverage. Here you can get extended coverage to include an insurance cover for damages to your car. Not only that, compressive plans can be further enhanced using add-on covers. Let us look at how using add-ons makes your life easier –
24 X 7 Roadside assistance: One of the popular add-on covers that can enhance your car insurance cover significantly is roadside assistance cover. Any case of flat tyre or mechanical breakdown can bring an unpleasant experience during your travels. 24 X 7 roadside assistance helps to seek help in these times. This add-on cover provides towing services if required along with an on-call technician to take care of other than breakdowns. Dead battery, flat tyre, electrical damages are some of the common types of situations that are covered under this roadside assistance cover. When you buy car insurance online, make sure to ask your insurer for this added facility since it helps in the unexpected times.
Zero depreciation add-on: Another preferred and highly recommended add-on is the zero depreciation cover. When you make a claim for motor insurance online or offline, the insurance company, at the time of pay-out, considers the depreciation on your vehicle. This consideration thereby reduces the settlement amount of your insurance claim. To avoid such a reduction of your claim amount, availing a zero depreciation cover comes handy. Some insurers even bundle this zero depreciation add-on as part of their standard comprehensive cover for added benefits.
Consumables cover: A consumable cover is where the concurrent replacement of spares is taken care of. Your car requires replacement of certain fluids and spares to keep it running at its pristine condition. These replacements that otherwise are not covered by a standard comprehensive policy are included in this consumables add-on. This helps to ensure the minor cost of repairs are also covered by your insurance policy and you can have a worry-free drive.
Lock and Key replacement cover: Losing your car keys is an unpleasant experience. As compared to a repair, it is more disappointing since you may not be even able to turn on your car. Moreover, new age cars have electronically operated keys that are not possible to get duplicated from a locksmith. The replacement costs for these electronic keys may burn a hole in your pocket. To avoid this unpleasant experience, it is recommended to purchase a lock and key replacement cover. This insurance add-on will provide the necessary financial assistance for replacing your keys without having to pay a hefty sum for it.
These are some ways how add-on covers help to simplify your car insurance woes. If you find any of the above must-have add-ons missing from your insurance cover, make sure to add them at car insurance renewal. This way you can be prepared for any unpleasant experience at any given time.
