Knowledge Centre

Benefits Of Add On Covers for Motor Insurance

Published on September 23, 2019, EST READ TIME: 5 MIN

Just like every little additions enhancement in life things just get better. Similarly getting add on covers for your car or two wheeler will help in giving you a much enhanced cover and help in fighting financial imbalances in case of an accident or collision. It not only acts as a great saviour at the time of partial loss but also helps save some damage to your finances in case of total loss as well. Before you start looking for motor insurance add on covers let’s know a bit more about add on covers in detail.

What are Add on covers?

Add on covers are a great way to make your car insurance work a lot better for you. Depending on your vehicle type, every add on cover has the capability to save you a huge amount of money, which you may have had to pay from your pocket otherwise, at the time of claims.

Various types of add on covers for motor insurance

Zero Depreciation

Depreciation means wear and tear of your vehicle over a period of time and it depreciates the value of the vehicle 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 cover provides assistance services at the time of 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

  • 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 Use 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.


  • Up to 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 in case 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

  • due to accidental external means to Parked Vehicle

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

Buying add on covers for motor insurance such as for car and bike is beneficial as it protects major financial losses.

Please note: For Two wheeler only Zero depreciation & Emergency Assistance is applicable.

HDFC ERGO motor insurance offers all the above add on covers at an additional premium.

This blog has been written by

Mukesh Kumar | Motor Insurance Expert | 36+ years of experience in insurance industry

A veteran in the insurance industry, Mukesh Kumar has the expertise of handling various functions like Business Development, Underwriting, Claims, Human Resources, Quality Management and Marketing. With rich knowledge of the industry, he loves to share his views on topics of insurance sector and takes special interest in educating people on advantages of having insurance.

Mr. Mukesh Kumar recommends "getting your two wheeler insured from HDFC ERGO, a brand serving more than 1 crore+ customers. With overnight repair services and more than 6,800+ network garages, you can be assured of help in event of any damage to your vehicle

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