Mentioned here are some of the few add-on covers that you can get along with your car insurance policy that can make it more effective:
Personal Accident Cover
This cover offers coverage to the car owner in case of car collisions. If the owner of the car is driving the car and meets with an accident, the complete claim amount will be provided to him/her in case the damage to limbs is irreplaceable or leads to death.
A no-claim bonus is a reward for policyholders who do not make any claims for their insurance over the course of a policy year. In such a scenario, this cover gifts them by providing discounts of up to 50% on the premium payment for the following year.
Engine and Electronic Circuit Cover
Engine and Electronic Circuit Cover provides protection to the electronic circuit and the engine of the car. In case there is a flood, the engine can fail if you continue trying to run it, and this sort of damage is not covered by regular car insurances.
Zero Depreciation Cover
Purchasing this type of cover will make sure that you receive a complete claim on the cost of the parts of the car replaced after the accident. This cover is usually provided only for the first 3 years, starting the date on which the car was bought. The more the vehicle ages, the steeper the premium for this cover gets.
Roadside Assistance Cover
In case you get into an emergency situation while driving in a deserted or remote area, the roadside assistance cover will offer you with access to services that can fix your problems at the earliest possible.
Loss of Belongings
This add-on cover allows you to report claims that occurred due to theft or loss of your personal belongings. In case you leave your mobile phone, laptop or some other expensive stuff in your locked car and it gets stolen, this cover will reimburse you for the loss at least partly if not the full amount.
Daily Cash Allowance
In case your vehicle remains with the mechanic in the garage for about four to five days, the daily cash allowance cover will pay for your transportation expenses.
In case you have lost or misplaced your car keys, having a key replacement cover will make sure that you are reimbursed for the cost of replacing the key. However, insurance companies do not reimburse the entire amount required to replace the key.