All about car Insurance in India | All Add-On Covers Explained!
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- เผยแพร่เมื่อ 28 ก.ย. 2024
- This video will help you understand all about car Insurance in India, Below are few riders available with the insurance
List of Top Car Insurance Add-On Covers
The availability of car insurance add-ons varies from insurer to insure. The following are some car insurance add-on covers that are offered by most of the general insurance companies:
1. Zero Depreciation Add-on Cover
The amount of depreciation applicable on your car and its parts is deducted by the insurer from the claim amount at the time of a claim settlement. A zero depreciation cover helps you mitigate this burden of bearing the depreciation cost of your vehicle thereby increasing your claim amount. Most of the insurers allow a maximum of 2 zero depreciation claims, however, some insurers including IFFCO Tokio allow unlimited zero depreciation claims during the policy tenure.
2. Consumables Add-on Cover
This add-on provides coverage for consumable elements such as grease, air conditioner’s gas, lubricants clip, bearings, fuel filter, engine oil, oil filter, break oil, nut and bolt, screw, washers, etc, which are not covered in the standard policy.
3. Roadside Assistance Add-on Cover
This add-on cover secures assistance services in the event of the breakdown of the insured vehicle. The services include towing to the nearest garage, on-site repair services, assistance in case of loss of keys, changing flat tyres, fuel delivery, etc.
4. Engine Protection Add-on Cover
This cover allows the policyholder to get indemnified against expenses for mechanical/electrical breakdown of the engine due to an oil spill or water ingression.
5. Key Loss Add-on Cover
This add-on cover makes the insurance company liable to compensate the policyholder for the loss of key(s).
6. Passenger Assistance Add-on Cover
It is a bundled cover that includes Hospital Allowance, Medical Expenses and Medical Transport Assistance to the policyholder in the event of an accident.
7. Tyre Damage Add-on Cover
This add-on provides cover for damages such as in-tyre bulge, puncture or bursting of tyres, cut on a tyre due to an accident, etc.
8. Return To Invoice Add-on
This add-on cover allows you to get full invoice price of your vehicle when it suffers Total Loss, Constructive Total Loss (CTL) or theft.
9. Protection Of NCB Add-on
This add-on helps you retain your No Claim Bonus (NCB) discount even if you had filed a claim in the last policy tenure. NCB is the discount which you get on own-damage premium for every claim-free year.
10. Loss of Personal Belongings Add-on
With this add-on, the insurer compensates the policyholder for the loss of personal belongings such as the articles or other items of a personal nature which are likely to be used, carried or worn.
11. Daily Allowance Add-on
By opting for this add-on you get a daily allowance from the insurer when the car is lost or is out for repairs.
12. Personal Laptop and Mobile Add-on Cover
This add-on allows you to get compensation for the loss of a personal laptop and mobile kept in the vehicle.
13. GAP Value Add-on Cover
This add-on helps you get the complete invoice price of the vehicle in the event of theft, total loss or constructive total loss. It also covers the Road Tax and first time registration charges against an additional premium.
Very informative. I was aware but not in such details. Kudos!
Thanks...Brother...!!! I was not knowing this much about insurance and coverage. Can you please let me know which best insurance to that you refer as per your experience. I got only one page as insurance policy which is very less to understand insurance coverage. By far this is best video that I saw that keep awareness of insurance. Super like...!!👍
Very informative video by Bhalla Ji and Nandi Ji!
Thanks... Keep supporting 😇
अगली किसी विडियो में नंदी जी के छोटे भाई (Altroz) आनंदी जी को भी बुलाइये . . . .
और बाद के फिर अगर बड़े भाई (Harrier/Safari) परमानंदी जी भी आ जाएँ . . . . .
तो हमे हार्दिक प्रसन्नता होगी . . . . . और इससे पारिवारिक माहौल भी बना रहेगा . . . . . .
Sure...will try ✌️
I have never seen such an informative video before. Thank you so much Carsutra
Bro good info.. Recently renew my car insurance.. I wish kuch din pehle aajata tumhara video. 🙄
Shukriya sir ji bohot dhanyavad ki aapne itni sari aur sahi insurance di 😊
Was waiting for this video from long time....👌👌👍👍
Thanks ❤for these information
I have zero dep and engine protection add on , will ECU cover under water damage
Does engine protection cover include engine seizure due to low coolant level or coolant leakage?
Sir please tell are modifications include in insurance and which type of insurance please make a video on this ❣️
Bhai wind shield, bumper aur right orvm change karna he toh konsa insurance chahiye
Bhaiya which website or company all these riders..... Couldn't find one
Not available in policybazaar nor in acko.
Please tell.
Sir electronic accessories ka bhi koi add on (Rider) hota hai agar accessories company se lgvai ho new car purchase karte time??
Tyre and Alloy cover kab lena chahiye ? Zero dep mein cover nehi hota hai kya ?
Bhai Dzire petrol 2010 mein CNG lagwa sakte hain kya?
Yes...
Sir anti rodent add-ons hote hai kya
Agar nhi hote to chuhose hone wale loss ko kaise cover kiya ja sakta hai.
Mere gadi ke engine area me chuhe wires cut kar dete h .
Hota h cover … alag Sai add on nahi hota … par fr b ap insurance company ko call kr k puch lo
Sir maine brezza 2023 vxi liya hai but usme rear parking camera alag se usi showroom se install karwaya hai to kya agr accidentally ye camera damage ho jata hai ya chori ho jata hai to kya isko insurance me claim kr sakte hai.? Plz guide me sir .. i hav zero debt. Insurance for my car..
What is tyre safeguard & depreciation shield?
Sir , pls btayie EMI PROTECTION kya hota hai in car insurance
Which is better car insurance provider in India.
Aur ye sab hone par inusurance claim cancel ho jaye to
Very helpful
Thankyou so much 💝
Aur detail chaiyyee
Very informative vedio sir🙏🙏👌👌
Thanks...keep supporting 😇
Sir agar zero dep le to kya metal ke alawa plastic glass rubber etc uska bhi company 100% he degi na 50% ki jagah??? Pls reply sir 🙏
Hanji bhai 100% claim milega but ek Apko file charge dena hoga 1000cc ki car hai toh 1k and and 1000 cc above hai toh 2k and consumer part oil,coolant wgera and jo apki car ke part replace hoge us kabad ka cost dena hoga jo bhi cost usse sell karne ke liye market mai le jane ka lagega
Apne kaun sa insurance leya hai
इतने सारे एड ऑन में से आपकी राय से कौन कौन से लेने ही चाहिए
Meri gaadi me 1000 se jyada Paisa liya hai.
Jabki mujhe 10 month he hue hai car ko
Zero dep insurance kaise use krte h bro ispr video banao detail me
Sure..will try to make detailed video 😇
@@CarSutra yes bro 🙄🙄
bhai aapka 400 rupay ka challan pending h 2019 ka.. :)
😂😂
👍
Rim and tyre cover & loss of personal belonging
If I buy engine protection, should I buy extended warrant?
Hello
Maine sare ke sare riders le rakhe hain😂😂😂😂. Swift zxi+ 2018 ka 0 NCB ke sath 20k ka premium pay kiya tha Iffco tokio ko 4th insurance par...kyoki 3rd insurance jo tha National Insurance se waha claim le rakha tha...
Ur dedication to stand inside window position is awesome 😄😄
Thanks 😊...keep supporting 😇
Make a video .. insurance bhar se le ya company se and usme pasie kese bchaye .. please 🙏
Sure..
Good info..I was searching for a good video on this topic since yesterday..as I need to renew my policy ..all thanks to you for saving my day!!
Thanks... Keep supporting 😇
What about tyre protection ? Does this cover under zero debt? What about RSA ?
Is car anteena covers under the Insurance policy of Bumper to bumper
Car chori hone par kya hota hai bhai
Tyre protect rider
Bhalla ji, I have watched a lot of your videos. They are full of info and fun. Please increase frequency of uploading videos.
Thanks bhai 😇 trying
Nice information brother
Thanks ☺️.. keep supporting 😇
Great video
Thanks 😌.. keep supporting 😇
Will damaged headlights be covered in insurance?
Good knowledge 🙏
Thanks brother ✌️ keep supporting 😇
What about Tyre coverage insurance?
Nicely explained
Plz tell whether Air Bags r covered in Zero Dep??
Sir comprehensive insurance me 3rd party aa jata hai
RTI aur invoice price me kya difference hai
Thank you sir 🙏🏻
V good info
Bhai ye nandi se kese bulwate ho, iske baare me kuch technical help Karo meri
suppose i have 3rd party and the other party have none (not renewed), so what will happened in this situation? my 3rd party will cover his damage but what will cover my damage..
He will pay you from his pocket, just do FIR
👌🏻👌🏻
Bhai bhot bhot thank you ....Bhot jarurat thi esi video ki ......Keep it up brother ...❤️
Thanks bhai .. keep supporting 😇
@@CarSutra always 💕
Bahut hi badhiya
Thanks ☺️.. keep supporting 😇
Bhai perfect gear shifting ki video bnao pls. Jab mai gear shift krta hu to jhatka lagta h and kabhi car band bhi ho jati h
Sure...soon ✌️
Simple
release clutch completely and then do acceleration
Don't don't do simultaneously
Gaddi ka gar se nikal Raha hay tu?😂