Sure, when it comes to private car insurance, there are several add-on covers available that you can consider adding to your policy for enhanced coverage. Keep in mind that the availability of these add-ons may vary depending on your insurance provider and the specific policy you choose. Here are some common add-on covers available with a comprehensive (1st party) car insurance policy:<br /><br />Zero Depreciation Cover: This cover ensures that you receive the full claim amount for the replacement of parts without any deduction for depreciation. It's particularly useful for newer cars.<br /><br />Engine Protection Cover: It provides coverage for damages to the engine of your car due to water ingression, lubricating oil leakage, or any other internal damages not covered under standard insurance.<br /><br />Roadside Assistance Cover: This cover provides assistance in case your car breaks down on the road. It includes services like towing, fuel delivery, battery jump-start, flat tire assistance, etc.<br /><br />NCB Protection Cover: No Claim Bonus (NCB) is a discount given on the premium for every claim-free year. With NCB protection, you can retain your NCB discount even after making a claim during the policy period.<br /><br />Return to Invoice (RTI) Cover: In case of theft or total loss of your vehicle, this cover ensures that you receive the original invoice value of your car including registration charges and road tax.<br /><br />Personal Accident Cover for Passengers: This cover provides financial compensation in case of accidental death or permanent disability of the insured or co-passengers.<br /><br />Consumables Cover: It covers the cost of consumables like nuts, bolts, engine oil, coolant, etc., that are not covered under a standard insurance policy.<br /><br />Key Replacement Cover: This cover provides coverage for the cost of replacing lost or stolen keys of your insured vehicle, including the cost of locksmith services.<br /><br />Daily Allowance Cover: In case of car repair in a garage due to an accident, this cover provides a daily cash allowance for alternate transportation.<br /><br />Loss of Personal Belongings Cover: It provides coverage for the loss or damage of personal belongings kept inside the insured vehicle during an accident or theft.
