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Picture this – you’re driving during the monsoon season, and suddenly, your car gets flooded, leaving you stranded with costly repairs. You find out that your regular insurance policy doesn’t cover such unforeseen events, which can cause significant financial losses.

But fear not! That’s where add-on covers come to the rescue. These add-ons, also called riders or extensions, fill the gaps left by a standard car insurance policy. They offer you extra protection and peace of mind in situations like the one described above.

In this blog, we will delve into the growing importance of add-on covers in car insurance policies in India, exploring key options that can enhance your coverage, ensuring you’re well-protected on the road.

7 Must-Have Add-ons in India

Aside from the numerous add-ons available on the market, here are the top 7 must-have riders with your basic car insurance.

  1. Zero Depreciation

    Zero Depreciation cover ensures that you receive the full claim amount without accounting for depreciation during repairs or replacements of car parts. With this add-on, you can avoid hefty out-of-pocket expenses and enjoy comprehensive coverage for repairs or replacements, maximizing the benefit of your car insurance policy.
  2. Roadside Assistance

    Roadside Assistance is a valuable add-on that offers support in unexpected situations such as breakdowns, flat tires, or accidents. The best part is that it provides round-the-clock assistance without affecting your No Claim Bonus. Whether you need a tow truck, fuel refill, or emergency locksmith, this cover provides round-the-clock assistance, ensuring you are not stranded on the road and helping you resume your journey without any hassle.
  3. Engine Protector

    The Engine Protector add-on cover safeguards your vehicle’s engine against damage caused by water ingression or hydrostatic lock. With the increasing instances of flooding during monsoons in many parts of India, this cover becomes particularly crucial, as it protects you from costly repairs or replacements of your car’s engine components.
  4. NCB Protection

    No Claim Bonus (NCB) Protection add-on allows you to preserve your hard-earned NCB discount even after filing a claim. Usually, a single claim can lead to the reduction of your NCB, resulting in higher premiums. With this cover, you can maintain your NCB benefits, ensuring future savings on your car insurance premiums.
  5. Key Replacement

    Losing or damaging your car keys can be a stressful experience. The Key Replacement add-on cover provides financial assistance for the replacement or repair of lost or damaged keys, including locksmith charges. It saves you from the inconvenience and expenses associated with replacing modern car keys that are often expensive to replace.
  6. Loss of Personal Belongings

    The Loss of Personal Belongings add-on cover compensates you for the loss or damage of personal items within your insured car due to theft or an accident. This cover offers reimbursement for items such as laptops, smartphones, or other valuable possessions, providing additional financial protection beyond the scope of a standard policy.
  7. Return to Invoice (RTI)

    The RTI (Return to Invoice) add-on cover is highly recommended and incredibly beneficial. It ensures that you receive compensation equal to the original value of your car when you first purchased it. This claim applies in situations where your car is stolen or constructive total loss, wherein, the surveyor declares that the repair cost of the vehicle exceeds 75% of the IDV (Insured’s Declared Value) of your vehicle.

    Imagine the unfortunate scenario where your car is stolen, and despite police efforts, it cannot be recovered. This situation can be incredibly challenging for you. However, with the RTI Cover, you can find solace. It guarantees that you will receive the full invoice amount as compensation, providing you with valuable financial support during such difficult times.


In today’s world, the dangers on Indian roads are always changing, and unexpected events like floods can occur. That’s why it’s crucial not to overlook the significance of additional insurance coverage. By adding these extra coverages, you can strengthen your insurance policy and have greater protection and peace of mind.

At, you can explore a wide range of additional covers that are available. We offer many other add-ons and comprehensive solutions to meet your specific insurance requirements.

Feel free to visit, today!

Right insurance, best price, every time. It’s a promise!

Alliance Insurance Brokers Pvt. Ltd.
8th Floor, Gold Crest, 10th Road, Juhu, Vile Parle (W), Mumbai 400 049, India
Monday - Saturday
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CIN: U67200MH2003PTC141621
IRDAI Registration No.: 217
Valid from : 13/10/2021 to 12/10/2024
Category : Composite Broker
Principal Officer Name: Mr. S. V. Thakkar
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