Don’t forget Add-ons while Car insurance comparison and purchase

Summary: When people are busy with car insurance comparison, they forget to look at the necessary add-ons they may need to have a 360 degree protection. In this article, we talk about the 2 common add-ons- Engine protect cover and Roadside Assistance which may be very useful.

When you do car insurance comparison for buying, there are certain features which you may need to ensure better protection for you car.

For instance a basic car insurance does not cover water damage to the engine. For instance you live in a place susceptible to high rainfall and waterlogging then it is possible that some water can enter your engine. In such a scenario, despite have a normal insurance it may not work for you. In such common scenarios, you can get some insurance add-ons which will protect your car cases. You can be sure that you always will be insured and you don’t have to face some major financial blows in any unforeseen situations. So let us see some add on’s which you can add you your basic comprehensive policy to ensure that your have full 360 degree protection for your car.

Engine Protect cover

This is an add-on for you car.

• This covers any replacement or repair needs of your car engine parts.

  These parts could be the piston or the connecting rods, battery, or the very important gear box.

• It covers the cost of the replacement of the part and also the labor cost of the part.
• If only that does not suffice, then the engine protect can also cover complete replacement of the engine when needed.
• It is very useful because replacing an engine can lead to a financial blow of Rs 1.5 lakh for a regular sedan. Imagine you having to pay it off from your own pocket!
• An engine protect is usually 1-2% of your IDV or small amount of the value of your car.
• Anyone who lives in an area where there is torrential rain or issues with waterlogging then the engine protect is must for you.

Roadside Assistance

Just like engine protect roadside assistance cover is also an add-on you can get with your regular comprehensive cover.

• This will cover your car in the event of a sudden breakdown in any unfortunate situation.
• These situations may arise if you are stuck somewhere and you run out of fuel or have an engine breakdown of your car due to engine failure or any other reason like a flat tyre or when you happen to lose your keys.
• If you are in any of the above situations, then you can call up your insurer and they will send the rescue item depending on the need of the hour.
• For example towing service to the nearest garage, stepney, or fuel till you reach the next petrol pump.
• Priced between 200-500, this is an important cover and can totally help you when you need it the most.
• However, roadside assistance does not include the cost of the repairs or the fuel.
• It will just be made available to you in your time of need.
• It is especially useful for people who travel long distance on highways or travel in the night time frequently.

So when you are are doing your car insurance comparison online, check out the add-ons and see what can work for you.

This article is written by Samskrita, Digital Marketer at Turtlemint.com Samskrita is a content enthusiast. car insurance comparison.