Best Car Insurance Add-Ons for Hot Summers

Posted on: May 5, 2025 | 3 mins | Written by: HDFC ERGO Team

Best Car Insurance Add-Ons for Hot Summers

A car insurance policy offers financial protection, but standard coverage may not suffice during summer. Elevated temperatures and unpredictable weather can strain your vehicle, making it essential to consider specific add-ons for enhanced safety.

Best Car Insurance Add-Ons for Summer Driving Safety

Before you hit the road this summer, consider upgrading your coverage with these smart add-ons for summer driving safety:

1. Engine Protection Cover

Summer heat can exacerbate engine issues, especially when combined with dust and debris. An engine protection add-on covers damages from overheating, fluid leaks, or internal failures, ensuring you're not burdened with hefty repair bills. This is particularly beneficial for those driving in areas with extreme temperatures.

2. Zero Depreciation Cover

In the event of an accident, standard policies factor in depreciation, reducing your claim amount. With zero depreciation cover, you receive the full cost of repairs or replacements without considering wear and tear. This add-on is invaluable during summer road trips when long drives increase the risk of minor mishaps.

3. Roadside Assistance (RSA)

Breakdowns can occur unexpectedly, and the summer heat can make waiting for help unbearable. RSA provides services like towing, battery jump-starts, and emergency fuel delivery. Having this add-on ensures you're not stranded under the scorching sun.

4. Consumables Cover

High temperatures can accelerate the wear of consumables like engine oil, brake fluid, and coolant. This add-on covers the cost of these items during repairs, which are typically excluded from standard policies. It's a cost-effective way to manage the additional maintenance summer driving demands.

5. Tyre Protection Cover

Hot roads increase the risk of tyre bursts and wear. Tyre protection covers the cost of repairs or replacements due to damages from potholes or sharp objects, common during summer construction activities. This add-on ensures you're not sidelined by unexpected tyre issues.

6. Personal Accident Cover for Passengers

Summer trips often mean travelling with family or friends. This add-on ensures that passengers are financially protected in case of accidental

injuries or fatalities during the journey. It provides compensation for medical expenses or unfortunate outcomes, offering extra peace of mind while driving longer distances in summer.

Conclusion

Upgrading your car insurance policy with essential add-ons for summer offers complete protection against seasonal risks. These riders help manage breakdowns, repairs, and unexpected expenses, allowing you to drive confidently and stay stress-free throughout your summer journeys.

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

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Get your car summer ready