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How to decide which add-on cover do you need for your car?

Buying a car is indeed a moment to celebrate and rejoice; after all it’s an achievement. Probably, after buying a house, a car is the most important asset you would love to own. However, it is equally crucial to secure your car from possible threats and uncertainties. Though comprehensive car insurance covers all the possible damage that your car might face, it is extremely important to opt for extra cover and safeguard your finances.

Imagine a situation when due to heavy rainfall your car engine kit gets totally blocked, under such circumstances your car engine and gearbox needs to be protected or else you have to bear the hefty financial loss for repairing or replacing your car engine. Such an extreme yet unusual loss can be covered with the help of engine add on car insurance covers.

Let’s take a look at add on covers and its importance

Zero Depreciation add on covers

Depreciation is a process when the value of your vehicle is lessened due to wear and tear over a period of time. At the time of partial loss, your parts have to undergo depreciation due which you might have to pay a bit extra for your vehicle’s depreciation. However, if you take a zero depreciation car insurance add on cover your vehicle will not face depreciation devalue and get full coverage for repairs.

What’s not covered?

Tyre & battery costs

Emergency Assistance

This add on car insurance cover helps you deal with any mechanical or technical breakdown or road accident. It aims at providing round the clock road assistance for a pleasurable driving experience. Further it has a bouquet of services which includes tyre replacement cover, towing of vehicle to the nearest garage, emergency fuel delivery, accommodation arrangement in case of break down, alternate travel arrangement, minor repairs on the spot etc.


  • “On site” Minor Repairs of the Covered Vehicle

  • Duplicate Keys

  • Assistance in case of Lost Keys/Locked

  • Battery Jump Start

  • Tyre change

  • Fuel delivery

  • Emptying of the Fuel Tank

  • Towing and Removal of the Covered Vehicle

T&C* Please read the details on territorial scope for emergency assistance)

Engine and Gear Box Protection Cover

Heavy rains and floods tend to damage your car’s engine, leading to hydrostatic lock. Repair and part replacement costs for engine may lead to massive expenses without any prior intimation. To secure your car against such unpredictable loss or expenses, opt for HDFC ERGO Engine and Gear box protection cover. This add-on cover is a saviour.

What’s covered?

  • Repairs & replacement of internal parts

  • Repairs & replacement of child parts

  • Labour costs

  • Engine cylinder re-boring, compression tests & other machining charges

Return to Invoice

Generally, in case of loss or theft of vehicle you get the Insured Declared Value only. However, there’s a significant difference between the IDV and ex-showroom value. By opting for HDFC ERGO’s Return to invoice add-on you get the above mentioned differential amount as well. This add-on reduces cost burden and allows you to happily buy a new car.

What’s not covered?

  • If the theft / stolen vehicle is recovered within 90 days

  • FIR under theft claim is not issues by Police Authorities

Cost of Consumable Items

You often end up spending a lot on your car’s consumable items which have specific uses or Used either consumed totally or are rendered unfit for further usage. Under such circumstances, HDFC ERGO offers Cost of Consumable Items to cover costs arising due to purchase or replacement of consumable items.

Consumable items include

Nut, bolt, screw, washers, grease, coolants, lubricants, engine & other oils, clips, ac gas, bearings, battery water, filters, sealants, gaskets.

Loss of Use / Down Time Protection

What if your vehicle goes for servicing and you do not have any alternate means of transport? Paying for commuting every day is caused a huge financial impact. Hence, HDFC ERGO Loss of User or Down time protection add-on policy reimburses a daily benefit towards the cost of alternate means of transport for the duration the insured vehicle is repaired or replaced. You can reach office and commute effortlessly as your conveyance costs get covered.


  • Upto Rs. 500/- per day for private cars

  • Maximum 5 days for partial loss

  • 15 days for total loss / theft claims

  • Avail coverage for up to 3 times incase of partial loss

  • One time coverage for total loss (Tool tip: During the policy period)

No Claim Bonus Protection

On every claim free renewal you get discount in the form of No Claim bonus; however, accidents are unpredictable and we understand that. Considering this, HDFC ERGO provides an add-on cover No Claim bonus protection in which on the event of accident, we shall keep your No Claim bonus discount intact for the next renewal of your policy.


  • Damage to only Windshield Glass by External Object

  • Loss due to accidental external means to Parked Vehicle

  • Loss due to Flood/earthquake/AOG perils to a Parked Vehicle

Basis on your vehicle type you can choose any or all of the above add on covers seamlessly and buy them through HDFC ERGO Car Insurance.

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