a Add-ons in four-wheeler insurancepolicyare optional extensions that broaden the coverage scope of your base comprehensive or standalone car insurance plan.

With a slightly higher premium, you can cover the gaps or incidents that a standard policy may not cover, ensuring better financial protection against damages due to covered incidents. Learn about add-ons in detail here and consider them according to your needs.

What Does an Add-On in Four Wheeler Insurance Mean?

An add-on in a four-wheeler or motor insurance policy ensures coverage over and above the standard coverages that your comprehensive or standalone policy offers.

For example, suppose you have purchased a comprehensive car insurance plan. It covers expenses for repairs of your vehicle if it sustains damage due to an accident, natural calamities, fire, etc. However, with optional add-ons, you can avail 24*7 roadside assistance, engine protection, consumables cover, etc.

Thus, with add-ons, you stay prepared for damages or expenses that your basic coverage does not provide for, safeguarding your savings further. However, depending on policy type and insurers, the types of add-ons may vary and adding them increases your premium slightly.

What are Some Important Four Wheeler Insurance Add-Ons?

While insurers provide a range of add-ons, not all of them may suit your needs. Now, you may wonder which add-ons are crucial to have with car insurance. For this, here is a detailed view of some valuable add-ons:

**24*7 Roadside Assistance**

four-wheeler insurance Whether you are driving in the city or on a highway, your car may break down any day. On a road where there is no garage around, you may feel stranded and be confused about what to do. This add-on offers round-the-clock services such as towing in case of a breakdown, fixing or changing flat tyres, refuelling, battery repairs, etc.

Zero Depreciation Cover

If your insured vehicle gets damaged due to a covered event, this add-on may come in handy. As you claim your car insurance, your insurer may not cover replacement costs of car parts if needed due to depreciation. Hence, with this add-on, you can recover the total replacement cost of damaged parts of your car from your insurer.

Engine Protection

Since the engine is the heart of your car, it requires special care coverage. Repair costs for the engine can be expensive, especially if you own an expensive or luxury car. Your base plan generally does not cover any damage to your engine, so it stays unprotected. If you live where there are chances of waterlogging or floods, this add-on helps.

Return to Invoice

motor insurance policy This add-on is yet another option to get coverage disregarding your car’s depreciated value. In case of damage due to accidents, natural calamities or if it gets stolen, resulting in a total loss, this add-on saves a huge chunk of loss. As you include it with your base plan, your insurer provides the invoice value of your car in covered incidents.

Consumables Cover

While repairing your insured car, consumables such as nuts, bolts, ball bearings, engine oil, coolants, etc., may be required. A standard own-damage or comprehensive policy generally does not cover expenses for these items. As these are important parts to get your car back on the road, a consumables cover provides coverage for expenses of such parts and items.

NCB Protector

Generally, if you claim under your motor insurance policyin a policy year, depending on your insurer, your accumulated bonus may get reduced or reset. With an NCB protector, your accumulated bonus stays intact after a single claim in a given policy year.

For a seamless claim experience, you should buy a plan from a reputed insurer like Bajaj General Insurance. You can contact them to find out about the add-ons that suit your needs in detail.

Final Words

A four-wheeler insurance policygenerally comes with different add-ons depending on your preferred insurer. These are additional coverage options that increase the scope of your base insurance plan.

Four Wheeler Insurance Add-Ons That Are Actually Worth Your Money

This four-wheeler insurance add-on offers round-the-clock services such as towing in case of a breakdown, fixing or changing flat tyres, refuelling, battery rep