7 add on plans in car insurance


04 Aug 2023

Read about 7 add on plans in car insurance. For more information, check out the car insurance policy from Kotak General Insurance.

Car insurance is an important purchase for anyone who owns a vehicle. Not only does it provide financial protection in the event of an accident, but it also provides peace of mind. In addition to basic coverage, there are also several add on plans that can be included in a car insurance policy online. These plans are designed to provide extra protection and cover expenses that are not covered by a basic policy.

In this article, we’ll take a look at the 7 most common car insurance add on plans and how they can benefit you. By understanding the various add on plans available, you can make sure you get the best coverage for your vehicle and your wallet.

Popular car insurance add ons

Here is a list of the common car insurance add on covers:

1. Roadside assistance cover

Roadside assistance cover is the perfect solution if you ever find yourself stranded on the road with a broken-down car. It offers emergency mechanical support, so you can get back on the road quickly and safely. Most roadside assistance covers include 24/7 roadside assistance, towing and recovery services, fuel delivery, and even flat tire repair.

2. Daily car allowance cover

Daily car allowance cover offers daily cash to the insured when their vehicle is in service. This type of insurance policy is designed to provide financial assistance to insured individuals in the event that their vehicle becomes temporarily unserviceable due to an accident or breakdown. It can also be used to cover any additional costs associated with the commute.

3. Engine protect cover

An engine protection cover offers financial protection to the insured in case the car's engine is damaged. So, if you are currently living in a place where water lodging is common, this add on the cover may be for you.

4. Depreciation cover

A depreciation add on cover offers exclude you from paying depreciation on your automobile and its parts. Apart from tires, and batteries, which are insured at 50% underneath this policy, all plastic and metal components are 100% depreciation protected.

5. Return-to-invoice cover

A return-to-invoice cover helps you get the total value of your vehicle if your insured vehicle suffers total loss or theft. This total value includes the showroom price, road taxes and registration charges.

6. Consumables cover

A consumables cover protects you against the costs of replacing consumables such as bolts, nuts, screws, oil filters, and so on. The expense of consumables replacement is not covered by a car insurance plan; so, if your car requires regular maintenance, you should consider getting this policy.

7. Loss of personal belongings cover

A loss of personal belongings add on protects you against the price of personal things stolen from your automobile. So, if you are currently in a theft-prone area, buying this rider makes complete sense.


If you’re looking for an car insurance plan with the proper coverage and cost savings, you should consider one of the car insurance add on plans listed above. Talk to our insurance expert about which coverages you need to protect your car and your bank account. By adding additional coverages, you can have peace of mind on the road and know that any issues with your car will be taken care of.

Visit Kotak General Insurance for More Information.

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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.