How Necessary is an Add On Car Insurance Plan?

A car insurance policy provides coverage for your car and any related third party liabilities. A generic plan provides coverage for most of the aspects, but there are limitations as it does not include all the necessary aspects. These remaining aspects can be covered by add ons. Third party car insurance plans provide coverage for property damage, death and physical injuries for the ones who suffered due to the driver. Such plans do not cover the driver. Collision insurance covers the damage of collision as clear from the name. Comprehensive plans provide coverage for the driver, the car as well as any, third party involved.

However, the three types of insurance plans do not include damages of the engine, gearbox, oil leakage, car parts, accessories, road assistance, water damages and oil leakages, among many other things.

In case of such damages, an add on insurance can help save quite a few bucks.

So, listed below are the most popular and practical add on plans worth considering for a car owner:

Engine Protection

The engine is susceptible to damages related to water ingression and hydrostatic locks among other things. Especially during floods, engine malfunctions can take a huge chunk off your finances. An add on feature here can save these expenses.

Coverage for Road Assistance

This add-on plan provides roadside assistance related to flat tyres, battery issues, towing of the car, vehicle arrangement and accommodation.

Coverage for Zero Depreciation

Having this add on feature allows the insurer to avail complete replacement costs without any deductions of depreciation. This feature is of importance for car owners who purchased their vehicles a couple of years back.

Individuals can consider their options from the aforementioned list and choose one or more of the add-on coverage plans as per their needs.

To get more information about such plans, the resource given below should be checked out: Why Is Add-On Car Insurance Coverage Essential For Your Car?

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