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Important Car Insurance Add on Covers You Should Consider

Posted by Royal Sundaram on 15 Oct 2019


As per Motor Vehicles Act, 1988, it is mandatory to protect your car with an adequate insurance. While buying a car insurance policy, insurance companies offer a wide range of add on-covers so as to make your insurance work better for you. Having an add-on cover with car insurance is like an extra protection that safeguards you from unfortunate events. These add-on covers are available as per your car type and also, helps you to save a huge amount of money. So, if you are going to buy a car insurance, then here’re some of the add-on covers that are worth buying, have a look –


  • Zero Depreciation Cover – This is one of the most popular add-on covers that one must consider. This cover plays a very important role in reimbursements and claim settlements as it allows you to claim the entire amount for replaced car parts that got damaged in the accident. This cover offers full claim amount without any deduction for depreciation.
  • NCB protector cover – This is yet another beneficial add-on cover that one must consider while buying a car insurance policy. NCB is basically a reward that a policyholder receives for not making any claim in the previous years. This bonus can be availed by the policyholder during the renewal of the policy. NCB offers a discount of up to 50%. NCB protector cover is a type of coverage option that helps in protecting your hard-earned no-claim bonus.
  • Engine protection cover – Engine is the heart and soul of the car. Any damage or negligence to its repair can lead to serious issues. This protection cover is worth buying as it compensates for the cost of repair in case of engine damage. Thus, it is advisable to add this cover as this will ensure the safety of your engine.


It is not mandatory to include all the add-on covers that are mentioned above, you can add any of these as per your requirement. Besides, if you are planning to buy car insurance policy online, then go for Royal Sundaram; it offers comprehensive car insurance policy online at affordable prices.

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One response to “Important Car Insurance Add on Covers You Should Consider”

  1. Maya says:

    Insurance companies offer a wide range of add on-covers which make insurance better. It is not compulsory to include all add-on covers, as per requirement we can add any of this i,e Zero depreciation cover, NCB protector cover and engine protection cover

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