Ultimate List of Car Insurance Add-Ons for Extra Protection

Purchasing car insurance is like buying a new cellphone— there’s the standard model that works, but it’s the premium features that make daily life that much easier! The standard motor insurance policy typically protects your car in the event of an accident, theft, and third-party liability. However, what if you could protect yourself more than the standard required coverage?

That’s where add-ons in motor insurance come in! These little extras offer tailored protection, so your car insurance will do precisely what you want it to do. If you’ve bought a car that you love, the right add-on covers in motor insurance can be life-changing.

Let’s explore some of the most popular add-ons that can give you peace of mind — and keep your wallet safe from unexpected bills.

1. Zero Depreciation Cover

Also known as "bumper-to-bumper" cover, this is one of the most sought-after add-ons. Usually, when you make a claim, the insurer deducts depreciation on car parts before paying you. With a zero depreciation cover, you get the full cost of repairs or replacement without any depreciation cut.

Best for: Owners of new cars or luxury vehicles who want maximum coverage.

2. Engine Protect Cover

Your comprehensive policy might not cover engine damage caused by waterlogging, oil leakage, or hydrostatic lock. With an engine protect cover, you’re shielded from hefty repair bills if the heart of your car suffers unexpected damage.
Best for: People living in flood-prone areas or cities with heavy monsoons.

3. Roadside Assistance (RSA)

Ever been stranded in the middle of nowhere with a flat tyre or dead battery? This add-on provides 24/7 roadside help, whether you need towing, fuel delivery, or minor repairs.
Best for: Frequent travellers and long-distance drivers.

4. Return to Invoice (RTI) Cover

In case your car is stolen or damaged beyond repair, RTI ensures you get the full invoice value of the vehicle — including road tax and registration — instead of just the current market value.

Best for: New car owners who want total financial protection.

5. NCB Protection Cover

The No Claim Bonus (NCB) rewards you with a discount on your premium for claim-free years. But one claim can make you lose it. With an NCB protection add-on, you can retain your discount even after making a claim.

Best for: Drivers with a clean driving record who want to keep their premiums low.

6. Consumables Cover

During repairs, you may need small items like nuts, bolts, engine oil, or brake fluid — which aren’t usually covered in standard policies. This add-on covers those costs, so you don’t have to pay out of pocket.

Best for: Car owners who want 100% cashless repairs.

7. Key Replacement Cover

Lost your car keys? Or worse, had them stolen? A key replacement add-on covers the cost of new keys and even locks if required.

Best for: Forgetful folks (we’ve all been there!) or those worried about security.

8. Tyre Protection Cover

Tyre damage due to punctures, bulges, or cuts isn’t usually covered in basic motor insurance. This add-on pays for repair or replacement costs.

Best for: People driving in rough terrains or pothole-heavy roads.

9. Personal Accident Cover for Passengers

While your motor insurance policy includes a personal accident cover for the owner-driver, passengers are not always included. This add-on extends accident cover to your co-passengers too.

Best for: Family cars and those who frequently travel with others.

Why Add-Ons Are Worth It

The beauty of add-ons is that they customise your policy to suit your lifestyle. Yes, they slightly increase your premium, but the extra protection they provide is worth far more than the small additional cost. Think of it as upgrading from a basic mobile plan to one with unlimited calls and high-speed data — the difference in convenience is huge.

If you’re searching for the best motor insurance, look for a policy that offers a wide range of add-ons, so you can mix and match the ones that truly fit your driving habits and needs.

Final Thoughts

Your car is more than just a mode of transport — it’s your daily companion, your weekend getaway buddy, and sometimes even your lifeline in emergencies. Investing in the right add-ons in motor insurance ensures that no matter what life throws at you, your ride is covered from bumper to bumper.

So the next time you renew or buy a policy, don’t just settle for the basics.

Explore the add-on covers in motor insurance and pick the ones that give you complete peace of mind. And if you’re looking for a trusted partner to provide this extra layer of protection, Universal Sompo’s best motor insurance plans have you covered.