Add-ons are optional covers that enhance your motor insurance protection. They cost extra but can save you significant money during claims.
What Are Motor Insurance Add-Ons?
Add-ons provide coverage beyond standard comprehensive insurance.
They are especially useful for:
- New vehicles
- Expensive repairs
- High-risk driving conditions
Common Motor Insurance Add-Ons Explained
🚗 Zero Depreciation Cover
- No depreciation deduction on parts
- Higher claim amount
- Highly recommended for new vehicles
⚙️ Engine Protection Cover
- Covers engine damage due to water ingress
- Very useful in flood-prone areas
🛞 Roadside Assistance
- Towing
- Battery jump-start
- Flat tyre assistance
🧾 NCB Protection
- Protects No Claim Bonus even after a claim
🔑 Key & Lock Protection
- Covers loss or damage to car keys
Which Add-Ons Are Worth Buying?
| Vehicle Type | Recommended Add-Ons |
|---|---|
| New car | Zero Dep + Engine Protect |
| Old car | NCB Protect |
| City driving | Roadside Assistance |
When Should You Avoid Add-Ons?
- If vehicle is very old
- If premium becomes too expensive
- If usage is minimal
Final Thoughts
Add-ons increase premium slightly but can save thousands during claims. Choose add-ons based on your vehicle age, location, and usage.
Disclaimer
Saverupiya is not an insurance company or agent.
This content is for educational purposes only.