If you drive a car in India, you must have car insurance. To be more specific, while driving the car, you must have at least a third-party policy. Ignoring this rule will result in severe penalties and other issues. As a result, most car owners simply purchase a third-party plan by getting car insurance online to prevent legal wranglings. However, given the risks of driving, you require more than simply liability or basic comprehensive coverage. This is where the extras come into play.
Even when purchasing a comprehensive policy, car owners frequently fail to obtain the exact coverage they require. This is because they must purchase auto insurance online with a certain set of advantages. These advantages may not be sufficient for them. When they have to make a claim, they frequently notice the difference. If consumers do not like their coverage at this point, they may get a negative opinion of vehicle insurance. Add-ons allow them to customise their policies to their own requirements. However, before making a purchase, it is critical to understand what you are purchasing.
Add-ons are optional coverages that can be purchased in conjunction with a comprehensive auto insurance policy. In addition to the base coverage of each policy, these add-ons provide various sorts of coverage benefits. The insurance company will charge an extra premium in place of these additional benefits. However, for a small premium increase, these add-ons provide better overall coverage. You can find the available add-ons in your vehicle insurance app. The best way to grasp the add-on is to think of it as icing on the cake. There are numerous auto insurance add-ons to choose from. Individually, they are usually available at a nominal expense. Here are some optional purchases you may want to make when you get Bajaj Allianz car insurance online:
- Coverage for zero depreciation
You purchase an automobile for a specific price, which is known as the vehicle’s selling price. It is the monetary or market value of the vehicle. This value diminishes over time. As a result, if you decide to sell your car, you will not receive the amount you paid for it. Your car insurance policy coverage is also impacted by a low market value. The Zero Depreciation Coverage assures that the depreciation of your vehicle has no bearing on your 4-wheeler insurance coverage. This means that you can have the bigger sum insured handed to you. You will be able to claim a larger sum when you need it. *
- Consumables protection
To reap the benefits of your car, you must keep it in the finest possible condition. This includes verifying that all of its components and mechanisms are in good working order. This maintenance also includes replacing parts on your bike on a regular basis. These components are known as consumables. Grease, lubricants, bearings, gasoline filters, oil filters, brake oil, and so on are examples. Paying for these can quickly add up, and your basic comprehensive bike insurance coverage will not cover the cost. You can include this expense in your policy if you have consumables coverage. *
- Roadside assistance protection
You never know when your car might break down or where an accident will occur. In such a case, your first concern should be to get yourself and your vehicle to a secure spot. However, depending on your circumstances, you may be stranded on the side of the road, unsure of how to get to your home or another safe location. In the event of an emergency, Roadside Assistance Cover will give you the assistance you require. Contact your provider as soon as you realise you need assistance. Car insurance apps can be very useful in these scenarios. They assist in obtaining services such as flat tyre replacement, fuel delivery, towing, minor repairs, and so on. *
Add-ons are a way to enhance the scope of your existing policy without needing to buy a new policy for a specific coverage. This way, you can get more out of the policy you have. You may consult your insurance provider for the policy add-ons available, and which ones may suit you.
* Standard T&C Apply
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