The Ideal 5 Add-Ons For Any Comprehensive Car Insurance Policy


Bajaj Allianz comprehensive car insurance plans offer complete protection for your vehicle, covering damage, theft, and third-party liability. Optional add-ons are available to tailor the policy to your specific needs to enhance coverage.

What Do Car Insurance Add-Ons Cover?

Car insurance add-ons are optional supplementary benefits that enhance your base policy. They offer specific types of coverage, increasing the claim amount and addressing various driving emergencies. You can select add-ons according to your coverage needs, each with its premium.

The Ideal Add-Ons To Get

There are various add-ons for your car insurance plan that can provide 360-degree protection. The following are five of the most ideal add-ons you can choose from among the options available:

Zero Depreciation Add-On

Your Bajaj Allianz car insurance policy does not cover normal wear and tear to your car’s parts as you drive it. As a result, the depreciated part of the car may be repaired or replaced in the event of damage. Car insurance does not cover depreciation, so its cost is subtracted from the part’s repair or replacement costs. Depending on the kind of damaged component, this deduction may apply. The insurance company only covers a portion of the cost after subtracting depreciation, while the network garage charges the total amount. As a result, the cost of depreciation becomes a personal expense. The zero-depreciation add-on enters the picture at this point. If you select this addition, depreciation is regarded as zero. As a result, the insurer does not deduct depreciation, and you receive the total amount the shop charges to repair the damaged part. Claims are subject to terms and conditions set forth under the motor insurance policy. *

24/7 Spot Assistance Add-On

If your car breaks down in the middle of the road and you cannot tow it to the nearest network garage, the roadside assistance add-on guarantees 24-hour assistance. If you have the add-on, all you need to do is call the insurance provider, who will help you finish your commute. Claims are subject to terms and conditions set forth under the motor insurance policy. *

NCB Protection Add-On

If you don’t claim on your car insurance policy, you receive a no-claim bonus (NCB) benefit. The bonus entitles you to a concession when your subscriptions are renewed. Additionally, the bonus grows after each additional year without a claim. One claim, however, eliminates the bonus you’ve accrued and prevents you from receiving the renewal concession. Not if you have the add-on for NCB protection. Make sure you are well aware of the car insurance claim process. *

Return To Invoice Add-On

The car insurance provider settles a claim for the insured declared value (IDV) if the vehicle is stolen or completely lost. Depending on the car’s age, the IDV is the depreciated value. It is more cost-effective than the price you paid for the car. However, if the vehicle is stolen, the return to invoice add-on reimburses you for the car’s invoice value. Thus, the add-on increases the claim amount and enables you to replace the vehicle without experiencing financial hardship. Claims are subject to terms and conditions set forth under the motor insurance policy. *

Engine Protector Add-On

Car insurance policies do not cover engine damages that could result from water seepage. You require the engine protection add-on to receive coverage for such damages. The add-on protects against engine damage brought on by waterlogging. Claims are subject to terms and conditions set forth under the motor insurance policy. *

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*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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