New India Assurance helps you extend the coverage of your standard car insurance policy with its add-on covers. Add-ons are extra coverages which enhance the basic coverage of your plan in return of an additional premium.
These car insurance add-ons can be availed with New India Assurance comprehensive and standalone car insurance plans:
This cover insures you against the depreciation applicable on your car and its plastic and metal parts at 100% except tyres, tubes and batteries which are covered at 50%. This cover helps you receive a higher claim amount by freeing you from the liability of bearing depreciation expense.
The engine and gearbox of your car is not insured by default under a standard car insurance plan. Thus, this add-on helps you get the engine and its parts along with the gearbox insured against damages caused by oil leakages and ingress of water. This add-on is available for cars not more than 5 years of age.
No Claim Bonus refers to the reward which you get for not making even a single claim during the entire period of your car insurance plan. This reward ranges from 20% to 50% of your own-damage premium and is available to you at the time of renewal. However, if you make even a single claim, this reward is lost. This is where the No Claim Bonus Protection Cover comes useful. It helps you protect your NCB reward even after you make up to claim during the policy period. This add-on is available for cars aged up to 7 years.
In cases of theft of your car as well as constructive total loss (when the damage is more than 70%) this add-on helps you get the Road Tax charges on the replacement of your car. The cover is for cars aged up to 5 years.
This cover helps you get the Invoice Price of your car as compensation instead of the Insured Declared Value (IDV) in case of the total loss and theft of your car. The invoice price refers to the amount which you paid at the time of purchasing your car. It includes the ex-showroom price of your car, road-tax and the registration charges of your car. This add-on cover is available for cars with invoice price not exceeding Rs. 20 lakh and cars which are not more than 3 years of age.
This add-on insures you against the loss or damage incurred to the personal belongings kept in the car at the time of theft or any mishap of the car. The coverage under this add-on is limited to Rs. 20,000 with an additional 20% of the sum insured i.e. Rs. 4,000 for each item or the actual price, whichever is lesser. This add-on is available for cars aged up to 7 years.
Read this article to understand how modifying your car can affect your New India Car Insurance Policy.
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By Gaurav Negi On: September 8, 2023Various add-on covers are offered by the New India car insurance add-on cover such as Zero Depreciation Cover, Engine Protection Cover, No Claim Bonus Protection Cover, Road Tax Cover, Return to Invoice Cover, and Personal Belonging Cover.
No, it is not compulsory to include an add-on cover in your car insurance policy and it is purely up to you for an add-on cover or not.
Yes, you will have to pay for an additional amount of premium to include an add-on cover in your car insurance plan along with the premium of your base policy.
You can buy the add-on covers either at the time of car insurance policy purchase or during the car insurance policy renewal process.
You can purchase as many add-on covers as you want to include in your car insurance plan at a time based on your budget and needs.
Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.
