Car Insurance Add-On Covers

Zero Depreciation Cover

Under this add-on cover, no depreciation is deducted while settling the claim for the repair bill. Through the Zero Depreciation add-on cover, you will get complete financial compensation without considering the depreciation factor of car parts that are being replaced or repaired.

Engine Protection Cover

With this add-on the cost incurred towards the replacement or repair arising out of consequential damages to engine parts such as differential assembly and gearbox will be reimbursed. This can also be due to water ingression, leakage of coolant/oil, or a hydrostatic lock of the engine of your insured car.

Roadside Assistance Cover

This add-on cover will come to your rescue in case of an emergency such as a vehicle breakdown or an accident. Here, you can enjoy services such as fixing a flat tyre, jumpstart the battery, on-spot repair, and spare key retrieval. Other services include fuel support, emergency towing, taxi support, pick-up of the vehicle, and emptying fuel tank.

Key Replacement Cover

High-end or technologically advanced car keys are valuable and expensive to replace. The cost can even sometimes go up to Rs. 10,000. The Key Protect add-on cover protects the cost of replacing the car keys in case it is lost, stolen, damaged, and even a replaced lock if required.

Consumables Cover

Consumables such as engine oil, lubricants, gearbox oil, screw, nut and bolt, grease, distilled water, bearings, oil filter, etc. are not covered under the Standard Comprehensive car insurance policy. By including the Consumables add-on cover, you can reduce the cash outflow from your pocket while settling the repair bill.

Outstation Emergency Cover

In case of a breakdown or accident of the insured car outside a 100 km radius of your place of residence and the vehicle is immobilised, you will get the amount specified in the policy document for the repair of the vehicle.

No Claim Bonus Protection

You get rewards for not raising claims during the policy period by way of a discount on the premium amount during renewal. This discount can go up to 50% for claim-free years for five consecutive years. However, when you buy this add-on, your No Claim Bonus (NCB) discount would be retained even if you make a claim.

Return to Invoice Cover

In case of theft or damage beyond repair, Return to Invoice Cover helps you claim the complete amount mentioned on the car's invoice value. In this case, the insurer, here ACKO will compensate you with the amount written on the invoice, which includes car registration cost and road tax as well.

Motor Compulsory Personal Accident (Owner-Driver) Cover

The Personal Accident Cover is mandatory while driving your car in India. In case of bodily injury or death of the owner-driver of the car, the insurer will pay the compensation. The scale of compensation is 100% for death, loss of two limbs, loss of sight of two eyes, or one limb and one sight. 

Personal Accident Cover for Passengers

Personal Accident Cover for Passengers allows you to protect your near and dear ones in case of accidents or unforeseen situations while driving. With this add-on cover, you can get coverage up to Rs. 1 lakh per passenger.

Daily Allowance Cover

If the insured car is being repaired at any authorised garage, this add-on provides coverage for the daily travel allowance. However, this add-on is applicable only when the insured car is being repaired at a network garage.

Passenger Cover

Unlike a mandatory Personal Accident Cover that does not provide coverage for treatment expenses of the passenger in the insured car. This Passenger Cover provides compensation for the expenses that go towards the treatment of the passenger.

Tyre Protect Cover

This add-on cover provides financial compensation if the car's tyres are damaged. This means that any expenses incurred for replacing or repairing the car tyres will be reimbursed under this cover.

Loss of Personal Belongings Cover

If any personal belongings get stolen or lost from the insured car, this add-on will provide financial compensation for the financial loss.