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Accessories Cover for Car Insurance

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Isn't your car a status symbol that shows your aura and personality? Well, almost every car owner prefers elevating the curb appeal of one of their most expensive possession. Typically, they do this with distinct accessories. Nevertheless, these accessories enhance the appearance of the car.

However, what if these accessories get damaged? Being valuable elements, it is vital to insure the car accessories along with the car itself. Accessory insurance add-on is an optional yet effective tool to avoid unexpected costs. Having said that, let's look into the importance of getting an extra cover for your car accessories.

What is a Car Insurance Accessories Add-On?

When you buy a comprehensive car insurance policy, you have the option to opt for add-ons that offer extra coverage to your car. Some of the popular add-ons are zero-depreciation, no claim bonus protect, roadside assistance, accessories cover etc. Car insurance accessories add-on offers financial coverage for accessories like LCD TV, reverse camera, stereo system, and other costly car equipment that get damaged during accidents and mishaps. If you are passionate and care about your car, it is imperative to state that opting for this insurance add-on will be a smart move to provide a shield to high-end car accessories.

What are the many forms of car insurance accessories add-ons?

Accessories add-ons for car insurance are generally classified into two forms, electric and non-electrical. However, note that your comprehensive car insurance plan does not cover all the accessories.

1. Electrical Car Accessories

Under these, the policy add-on covers all electrical car accessories such as music systems, spoilers with brake lights, air conditioners, fog lights, etc.

2. Non-electrical Car Accessories

Under this form, all non-electrical fittings like seat covers, interior, spoiler, alloy wheels, etc. are covered under an own-damage tariff.

3. CNG Accessories

In case you plan to fit a CNG/LPG kit into your car, you should make sure that the kit is separate. This is because your chief insurance plan will not cover any expense incurred in the damage done to the kit during accidents.

Who should purchase a Car Insurance Accessories Add-On?

The availability of a large number of insurances shows that purchasing policies depend from person to person. That said, car insurance accessories add-ons should be purchased by:

● People Having Luxurious Cars and Their Accessories

Luxury cars have a different appeal. At the same time, purchasing luxurious car accessories compliments the look of the car. However, people acquiring such assets should have coverage for the same to fight and bear the costs incurred in case of mishap or theft. Accessories add-on coverage offers outstanding financial coverage to the car owner.

● Individuals Residing in Vulnerable Areas

If you stay in theft-prone areas or in such areas that are prone to natural disasters, you need a proper accessory add-on cover to obtain financial assistance for the same.

Why Is Accessories Add-On Coverage in Car Insurance Important?

Irrespective of what policy you opt for, attaining an accessory add-on car insurance asks you to pay an extra premium on top of a comprehensive car insurance policy. Needless to say, accessories add a rich touch to anything and everything. Similarly, when talking about cars, accessories add immense aesthetic value. Another benefit of adding these overlooked accessories in cars is to help provide utmost convenience and comfort to the passengers thereby maintaining a comfortable journey over long distances.

Hence, whenever you buy a car insurance plan, make sure that you select the accessories add-ons with your car insurance. Moreover, if your car has costly accessories like high-end stereo systems, LCD screens, etc. make sure that each of the following has proper financial coverage.

Simply put, accessories add-ons car insurance is important because standard car insurances generally provide monetary coverage for the car in case of damages and mishaps. However, it does not cover the accessories installed in the vehicle. But, the accessory add-on plan caters to this issue and helps individuals bear all expenses incurred in mishaps and accidents.

What are the Benefits of Having Accessories Add-On Coverage in Car Insurance?

Looking at a wider picture of unusual and unseen circumstances, any mishap can cause tremendous harm to your car. As a matter of fact, car owners can save tons of money and energy spent in re-investing in new accessories at double the cost.

When individuals opt for this add-on car insurance, they get coverage on essential car parts including,

● Car camera

● Fire extinguisher

● Anti-theft devices

● Battery charger

● Mobile stand

● Battery charger

● Tyre pressure monitor

Conclusion

To sum up, it makes complete sense to opt for an accessory add-on by paying a little more premium. Amidst this entire discussion, one of the top advantages is that the accessories cover add-on on car insurance will help you to render a shield against all damage and loss of the valuable and costly electrical and non-electrical accessories of the car by cutting down on costs spent on repairing high-end accessories.

So, when you opt for a comprehensive car insurance policy, don't skip on getting accessories insurance. It is as important as tracking your no claim bonus. All that you need to do is enter the value of your accessories when you buy your car insurance plan, and that's all! The rest is on the insurance company.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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