A car is a valuable possession that needs to be protected with a good insurance policy. Vehicle insurance can also provide protection against liability incurred by the policyholder in the event of an accident. There are many different types of vehicle insurance policies available. The right vehicle insurance will depend on several factors, including the type of vehicle you drive, your driving record, the amount of coverage you need, and your budget. There are a lot of add-ons that you can get for your vehicle insurance, but not all of them are worth the money. Here we have compiled a list of 14 add-ons that will give you full coverage on your vehicle insurance, so you can be sure that you’re getting the best possible deal.
Zero Depth Cover
Zero depth cover is an add-on to your vehicle insurance policy that covers the full value of your car in the event of an accident, regardless of its age. This type of coverage is ideal for new car owners, as it ensures that you will be reimbursed for the full cost of your vehicle in case of an accident. Zero depth cover can also benefit older cars, as it can help you avoid the high out-of-pocket costs of repairing an older vehicle.
Cost of Consumables
Many consumables are required to keep a vehicle running smoothly, and these can add up quickly. The most common consumables include oil, coolant, and brake fluid. A vehicle insurance policy does not cover the cost of these consumables, and they can be expensive. All of these consumables can add up to a significant amount of money in case of a vehicle accident. So, it’s important to add-on the cost of consumables when considering vehicle insurance.
Multi-year policy
Regarding auto insurance, a multi-year policy is one of the best ways to ensure you’re always covered. This policy provides coverage for an extended period, usually three to five years. With a multi-year policy, you’ll have peace of mind knowing that your vehicle is protected against any potential damage or liability claims. This can be a great option for those who don’t want to worry about their coverage lapsing or renewing their policy every year.
Windscreen Cover
This add-on will cover repairing or replacing your windscreen if it is damaged. It covers the cost of repairing or replacing your windscreen, sunroof or windows if damaged in an accident or by a flying rock or other objects. There are a few things to consider when choosing a windscreen cover. You need to compare comprehensive car insurance with Windscreen cover add on to the cost of the windscreen. If the windscreen cover is more expensive than the cost of the windscreen, it’s probably not worth the expense.
Emergency 24/7 Roadside Assistance
In case of a breakdown or accident of your vehicle, emergency roadside assistance can help get you back on the road. It can be an add-on to your vehicle insurance policy. If you choose to add it to your vehicle insurance policy, it will cover the cost of towing your vehicle to a nearby repair facility and other services like jump-starts and flat-tire changes. Some insurers offer additional benefits like trip interruption coverage and rental car reimbursement.
Engine protection
Engine protection covers the cost of repairs or replacement if your engine is damaged in an accident. It can also cover the cost of repairs if your engine is damaged by a natural disaster, such as a flood or fire. The average cost of an engine repair is $2,000, so having this type of coverage can save you a lot of money if your engine needs to be repaired.
Personal Accident Cover
Personal accident cover is an add-on to your vehicle insurance policy that provides financial protection during an accident. It can cover medical expenses, lost wages, and other costs associated with an accident. In some cases, it can also provide death benefits.
Voluntary Deductibles
Voluntary deductibles are an important part of any vehicle insurance policy. They represent the amount of money that the policyholder is willing to pay out-of-pocket in case of a covered accident or incident. Agreeing to a voluntary deductible can help lower your overall premiums. There are a few things to remember when choosing a voluntary deductible amount. You should consider how much you can afford to pay if you have an accident or incident. It’s important to choose an amount you’re comfortable with so that you’re not left struggling financially if something happens.
No Claim Bonus
You may be eligible for a no-claim bonus if you have not made any claims on your vehicle insurance policy. This is a discount that could save you money on your premium. To get the NCB, you must have a clean driving record with no at-fault accidents or claims for a certain period. The length of time varies by insurer, but it is usually at least one year.
Personal injury protection
If you are at fault in an accident, personal injury protection pay for the medical treatment of the driver and passengers in your vehicle. It also covers any rehabilitation costs incurred as a result of the accident.
Personal Belonging Cover
Most people are aware that their vehicle insurance policy covers their car in the event of an accident. But the Personal Belonging Cover add-on will cover any personal belongings stolen from your vehicle. This can include items such as your wallet, phone, laptop, etc.
Passenger Cover
If you’re looking for comprehensive vehicle protection, you should consider adding passenger cover add-on in your insurance policy. This cover protects the passenger of a vehicle in the event of an accident. Passenger Cover is an add-on extra that can be added to most comprehensive vehicle insurance policies. It covers the medical expenses of the passenger in the event of an accident and any damage to their personal belongings.
Return to Invoice cover
A Return to Invoice cover is an add-on insurance cover that enables a car owner to receive the invoice value of a car as the claim amount in the event of a total loss, constructive total loss or theft of the car. This means that if your car is totaled or stolen, you can get a payout equal to the vehicle’s original purchase price. However, a Return to Invoice cover is only available for cars less than three years old in some cases, up to five years old, depending on the insurance company.
Daily Allowance Cover
The Daily Allowance Cover is an add-on cover that provides a travel allowance to cover day-to-day travel expenses in case the insured car is getting repaired at a garage. It compensates the car owner for any travel expenses incurred to hire a vehicle or use public transport while the car is at the network garage. However, this add-on cover applies only if the insured car is getting repaired at the network garage of the motor insurance company. This benefit is extremely useful for policyholders as it takes care of their daily commute requirements while their car is being repaired.
