Home / Car Insurance / List of Add-On Covers in Car Insurance – Buy Online

Add-On Covers in Car Insurance – Buy Online

Car insurance starting at Rs. 2,072*

Insure Now
T & C apply*

Buying a new car?

Click here!

You already have an Acko policy

Login to access your policy for this car

A Standard Comprehensive car insurance policy is not a one-size-fits-all coverage and you should modify it based on your requirements. A few things you should consider are how much coverage you need to protect your car and what can add value to the coverage. And that's where the role of add-on covers comes into the picture.

What is an Add-on Cover in Car Insurance?

In case of an unfortunate accident, you may have to deal with an unplanned financial crisis. Third-party liability insurance does not provide coverage for own damages.

While the Comprehensive Plan secures you against damages to your car, it may miss out on a few liabilities such as depreciation, engine damage, consumables repair cost, car breakdown in the middle of the road, etc.

When you need extended coverage, add-on covers in car insurance add value and provide that extra edge over the regular car insurance policy.

List of Add-on Covers in Car Insurance by ACKO

Choosing the right add-on covers for your car insurance can save you a lot of money. While you may have to pay a slightly higher premium, your car insurance becomes considerably exclusive and exhaustive. Below is the list of a wide range of add-on covers available on ACKO.

icon

Zero Depreciation Cover

Under this add-on cover, no depreciation is deducted while settling the claim for the repair bill. Through the Zero Depreciation add-on cover, ACKO will pay the repair bill without considering the depreciation factor of car parts that are being replaced or repaired.

icon

Engine Protection Cover

With this add-on, ACKO will reimburse the cost incurred towards the replacement or repair arising out of consequential damages to engine parts such as differential assembly and gearbox. This can also be due to water ingression, leakage of coolant/oil, or a hydrostatic lock of the engine of your insured car.

icon

Roadside Assistance Cover

This add-on cover will come to your rescue in case of an emergency such as a vehicle breakdown or an accident. Here, ACKO will provide services such as fixing a flat tyre, jumpstart the battery, on-spot repair, and spare key retrieval. Other services include fuel support, emergency towing, taxi support, pick-up of the vehicle, and emptying fuel tank.

icon

Key Replacement Cover

High-end or technologically advanced car keys are valuable and expensive to replace. The cost can even sometimes go up to Rs. 10,000. The Key Protect add-on cover protects the cost of replacing the car keys in case it is lost, stolen, damaged, and even a replaced lock if required.

icon

Consumables Cover

Consumables such as engine oil, lubricants, gearbox oil, screw, nut and bolt, grease, distilled water, bearings, oil filter, etc. are not covered under the Standard Comprehensive car insurance policy. By including the Consumables add-on cover, you can reduce the cash outflow from your pocket while settling the repair bill.

icon

Outstation Emergency Cover

In case of a breakdown or accident of the insured car outside a 100 km radius of your place of residence and the vehicle is immobilized, ACKO will pay the amount specified in the policy document for the repair of the vehicle. Plus, you get a reimbursement of Rs. 2,500 if the repair time is more than 12 hrs.

icon

No Claim Bonus Protection

ACKO rewards you for not raising claims during the policy period by way of a discount on the premium amount during renewal. This discount can go up to 50% for claim-free years for five consecutive years. However, when you buy this add-on, your No Claim Bonus (NCB) discount would be retained even if you make a claim.

icon

Return to Invoice Cover

In case of theft or damage beyond repair, Return to Invoice Cover helps you claim the complete amount mentioned on the car's invoice value. In this case, ACKO will compensate you with the amount written on the invoice, which includes car registration cost and road tax as well.

icon

Personal Accident Cover

The Personal Accident Cover is mandatory while driving your car in India. In case of bodily injury or death of the owner-driver of the car, ACKO will pay the compensation. The scale of compensation is 100% for death, loss of two limbs, loss of sight of two eyes, or one limb and one sight. 

icon

Personal Accident Cover for Passengers

Personal Accident Cover for Passengers allows you to protect your near and dear ones in case of accidents or unforeseen situations while driving. With this add-on cover, you can get coverage up to Rs. 1 lakh per passenger.

Benefits of Add-on Covers

Several add-on covers are useful and offer additional financial coverage. Below are the benefits of add-ons in car insurance.

Protect Your Car’s Depreciation

The value of the car’s parts will reduce due to wear and tear with time. This is called depreciation. While settling claims, the insurance company doesn’t cover the depreciation cost, and you have to bear the remainder of the repair bill. However, you can avoid the depreciation cost by opting for the Zero Depreciation add-on cover.

Get Emergency Roadside Assistance

In case of an emergency such as a vehicle breakdown, you can avail of the Roadside Assistance cover. It offers emergency roadside assistance such as fixing a flat tyre via tyre cover, fuel, towing, on-spot repair, among others, which makes it a good addition to the Standard Comprehensive insurance policy. 

Consumables Cover for Accessories and Engine Protection

In the Standard Comprehensive car insurance plan, the car engine and the consumables (engine oil, gearbox oil, lubricants, nut and bolt, screw) are not covered. With the Accessories and the Engine Protection add-ons, the cost to repair or replace them is covered.

Cover for Deaths and Disabilities due to Accidents

In the case of disability or death of the owner-driver of the insured vehicle, the Personal Accident add-on cover offers financial coverage against disabilities/death up to Rs. 15 lakhs. Personal Accident cover is mandatory by law. Also, you can buy an optional Personal Accident Cover for Passengers to protect your beloved ones in case of an unforeseen accident.

Retain Your No Claim Bonus Discount

When you raise a claim during the policy period, you lose out on a No Claim Bonus (NCB) discount. NCB discount is earned while renewing your policy if you haven't raised any claim during the previous policy period. However, if you think that the chances of raising a claim are higher, you can buy this add-on and retain your NCB discount.

Frequently Asked Questions About Add-on Covers in Car Insurance:

Below are some of the common queries about add-on covers offered in car insurance.

Commonly asked questions about car insurance add-on covers

Do add-on covers affect the car insurance premium amount?

Yes. It slightly increases the premium amount of the Standard Comprehensive insurance policy since you can take advantage of the wider coverage.

Is there a different claim procedure if you buy these add-on covers?

The process remains similar to raising claims under the Standard Comprehensive car insurance policy. You will have to follow the procedure mentioned by the insurance company (in this case ACKO) for any claim during the policy period.

Why is an add-on cover important?

While the Third-party Liability plan covers you for injuries to someone else and damages to their property, the Own Damage plan covers liabilities arising from damages to your car.  However, the Standard Comprehensive car insurance does not provide additional coverage such as engine-related repairs, breakdown in the middle of a road, etc. For example, the Zero Depreciation add-on cover does not consider the depreciation value of the car parts replaced or repaired while settling claims. With this add-on, you can avoid paying from your pocket.

Is it mandatory to buy add-on covers for cars?

While it is not mandatory to buy add-on covers, it does add value and enhances your regular car insurance by offering additional financial coverage. Select only those add-ons that can add value to your car. 

What is the difference between Zero Depreciation and Comprehensive Insurance?

While settling a claim under the Standard Comprehensive plan, ACKO will consider the depreciation of car parts and then settle the repair bill. You will have to pay the remainder from your pocket. However, with the Zero Depreciation add-on, the depreciation of car parts that are being replaced or repaired is not considered by ACKO. The complete repair bill is paid by ACKO in this case.

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms.

Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.