When it comes to the protection of your car and free from worries on the road, proper car insurance is a must. However, many standard car insurance policies may not fully meet your needs, which makes you exposed in some circumstances. But that’s where add-ons come into play! These are additional options that are supposed to improve your standard policy, as well as guarantee that you are insured against as many threats as possible.

In this blog, we will look at the basic extras that can provide you with the best car insurance policy. These are the add-ons that will give you full cover for your car from protection of the engine to having a standby help in the event of an emergency on the road. No matter how many years you’ve been behind the wheel, having these options on your policy can mean the difference between being adequately covered and being on your own.

Here are the List of Top Car Insurance Add-On Covers

1. Zero Depreciation Cover

Zero Depreciation Cover is a compulsory extra that makes sure that you do not get a raw deal when having a claim on your car. Under normal circumstances, insurance firms take into consideration the wearing and tearing of the car’s parts and therefore offer less when the car needs a change of parts. This means that, when you add this option, you will be compensated in full for any repair or parts replacement and without any allowance for wear and tear. This is especially useful for the relatively recent models because the costs of fixing or replacing the damaged parts can be very steep, so with full coverage, you won’t be caught off guard. For anyone who would like to be fully protected for his car, Zero Depreciation Cover is a must-have.

2. Engine and Gearbox Protection

The engine and gearbox are some of the most costly parts of your car that you will ever have to replace. It becomes very expensive to either repair or replace them should an accident occur. This add-on covers your engine and gearbox and any repair or replacement that may be required due to mechanical breakdown, water ingress, or leakage. Just like any other car part, engine, and gearbox protection provides you with a cushion financially in case of a simple issue or a complicated one. For those who drive in a flood-prone region or those who use their car often in terrible road conditions, this add-on is very useful in preventing several of the car’s most critical systems from being damaged.

3. Roadside Assistance

Roadside Assistance is one of the most useful options for sudden car failures. This add-on will keep you safe by providing roadside assistance whenever you need it whether your car has stalled, has a flat tire, or has run out of fuel while on the road. These are tire changes, towing to the nearest garage, jump-starting your battery, and delivering fuel to your car. It can be very useful if you frequently drive on highways or in unfamiliar territory to have this add-on. The fact that assistance is only a phone call away enables one to drive knowing that in case of a breakdown, you are stuck.

4. Personal Accident Cover for Passengers

Personal Accident Cover usually covers the driver in case of an accident but this is an extra cover that also covers your passengers. In the event of an accident, the costs of medical treatment of passengers are paid, and in the most severe cases, this add-on also pays for death or disability. This is another feature that most car owners fail to include, but everyone in the car should be protected. It might come in handy in a critical accident, therefore, the add-on is a great supplement to your general auto insurance policy.

5. Consumables Cover

After an accident, your car may require consumables such as nuts, bolts, oils, or brake fluids for a car to be repaired. As vital as these parts are in returning your car to the road, they are not covered by standard car insurance. With Consumables Cover incorporated in the policy, expenses on these consumables will be factored into your claim. This add-on assists in ensuring that you do not spend any of your pocket money that might be required during the repair of your car, and get your car repaired fully without having to worry about minor items that are necessary but may be too expensive.

7. Key Replacement Cover

Misplacing your car keys or having them snatched from you is a very annoying and expensive situation, particularly if your car comes with advanced smart keys. Car key replacement is also expensive and is even pricier when it comes to new model cars. Key Replacement Cover means you can always be sure that the expenses related to lost or stolen keys are on the insurance. This add-on can also include the costs of programming a key fob or changing the locks on your home. It is a useful cover for those who have at one time or the been locked out of their car or misplaced the keys.

8. NCB Protector

The No Claim Bonus (NCB) is an attractive rebate that insurers provide to policyholders who have not made any claims in the previous years. This bonus can help you to slash your premium when the time comes for renewal. However, if you do make a claim, you stand to lose this valuable bonus and you may well find that your premiums increase in the future. The NCB Protector add-on also makes it possible for you to preserve your No Claim Bonus even if you are making a claim. This add-on enables you to prevent the premium increase that is normally associated with a claim and retain your discount and hence save money when you are renewing your policy.

Conclusion:

In conclusion, it can be concluded that the choice of car insurance coverage add-ons is critically important to get the maximum level of protection on the road. Zero Depreciation Cover helps guard your car against depreciation, while the Engine and Gearbox Protector Offers protection to vital parts of the car, and Roadside Assistance ensures you’re never stranded. All these add-ons improve your security and provide you with the security you require when driving.

Selecting the right car insurance is not just about getting the minimum legal requirement, it is about getting what you want. Choosing the right add-ons will assist you in ensuring that you are protected and your car, passengers, and yourself from any eventuality that may occur. Just bear in mind that the coverage of your car insurance is an investment in your safety and your financial capacity in case of an eventuality.