Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Best Car Insurance Riders to Add-On to Your Car Insurance Policy

    Car insurance companies have been providing a number of different insurance policies that benefit its customers to a great extent. These benefits can range from any damage or loss caused by another party, any loss or damages caused to the car by natural causes and personal accidents. However, car insurance policies sometimes do not provide cover against unforeseen factors which can range from natural calamities, road quality, weather, etc. Therefore, car insurance agencies are now providing a number of comprehensive riders that you can add-on to your basic or existing car insurance policy. These riders can be opted for by the customer, if he/she chooses, and can cover a number of different factors which can eliminate the need to make payments towards expenses incurred by your vehicle.

    Here are some of the riders that you can opt for when choosing a car insurance policy for your vehicle:

    • Zero Depreciation: Generally, car insurance companies take into account the depreciated value of a damaged car part and not the current value of the vehicle when filing an insurance claim. Depreciation rates are subjected to the model of the car, age, make, etc. Due to this, an individual will have to take care of a sizable amount of the claim themselves. But, if you opt for a Zero Depreciation cover, the entire cost will be covered by the insurer and you won’t have to bear any of the expenses. Therefore, in case you meet with an accident, you are immune to any deductions based on the depreciation value and you can recover the full amount which would amount to the market value of the vehicle.
    • Engine Cover: Most car insurance companies do not cover damages caused to the engine of a vehicle. In India, there are many instances of clogged drains that result in flooding of roads, flash floods due to heavy rains, swelling of rivers, etc. An Engine Cover rider comes as a relief to people who live in such areas where these calamities occur. Insurance agencies offer a hydrostatic cover which covers any damages that are caused by consequential losses. For example, if your vehicle is submerged under water and you start your car’s engine, water will enter the engine block and the engine will get damaged. An Engine Coverage rider will cover any repairs that are required to be made on an engine.
    • Ambulance and Medical Expenses: In case a car insurance holder meets with an accident and requires immediate medical attention, the Ambulance and Medical Expenses rider will help compensate any expenses that are incurred by medical expenses and ambulance charges. This amounts to the tune of Rs.10,000 approximately.
    • Roadside Assistance and Towing: This rider helps provide vehicle owners with different types of vehicle assistance that are made available 24/7. In case your car is immobile after an accident, you have a flat tire, you misplaced/locked your key, need a jumpstart for your battery, car towing, refuelling, etc. are all covered under this rider.
    • Rental Reimbursement: When your vehicle is undergoing a service at a service centre and you do not have your own mode of transport, you will have to either use the public transport to commute or you will have to use a rented car, taxi, etc. In such cases, you can reimburse any bills and receipts that you have paid for during this time. This rider is, however, not so common in India.
    • Personal Accident Cover: This important rider should be taken up by every vehicle owner as this covers the family of the policyholder in cases of unforeseen events like road accidents that lead to the permanent/temporary paralysis, disability, and death. There are certain insurance companies that offer accidental cover for passengers travelling in the vehicle.
    • Consumable Rider: This is a rider that covers damages to any consumables like gearbox oil, clutch box oil, and coolants. This will cost you approximately 0.2-0.4% of the vehicle’s value.
    • You will have to keep in mind certain factors when picking out the right rider that will benefit you the most. There is definitely no point in picking out a rider that you may not require during your commute. For instance, you won’t require the Personal Accident Cover if you already have a life insurance policy. However, you should always weigh out the possibilities of different potential risks that you could face on your journey. Pay a little extra and pick up the right rider/riders which can help you have a stress-free journey, anywhere, anytime.

      Read More On Car Insurance

      GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

    Best Car Insurance Riders to Add-On to Your Car Insurance Policy Reviews

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    • Bajaj Allianz Car Insurance
      "Good Protection"
      0.5 4.0/5 "Great!"
      Recently I got Bajaj Allianz car insurance by paying premium around Rs.21,000 it has the tenure of one year. They gave me the policy copy it has mentioned zero depression with bumper to bumper car protection. I am very much fine about Bajaj car insurance.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 20, 2017
    • ICICI Lombard Car Insurance
      "average service"
      0.5 3.0/5 "Satisfactory"
      The service from ICICI is average but I have not claimed their service till now the documents and the other procedures have been done through dealer itself so they have not asked for my documents the customer service is good I will say the service of ICICI for car insurance service is average.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 20, 2017
    • National Insurance Car Insurance
      "Good protection for four wheeler"
      0.5 4.0/5 "Great!"
      I have car insurance from National Insurance, I made the premium of Rs.10,600 for the tenure of one year. I have insured Honda Brio, its second hand car worth Rs.4 lakhs, National Insurance gave me zero depression value with bumper to bumper cover.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 19, 2017
    • HDFC Ergo Car Insurance
      "Really great"
      0.5 5.0/5 "Blown Away!"
      HDFC ERGO car insurance is really great. I am holding this HDFC ERGO car insurance and this was taken for a period of one year. No claim experience till date with HDFC ERGO . Zero depreciation is there also I get bumper to bumper facility too. I have a placed a request for the policy renewal with the company the request was action ed in a couple of days. Every year IDV would be changed, so it will have a direct impact on the premium amount.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 19, 2017
    • Tata AIG Car Insurance
      "Good protection for four wheeler"
      0.5 5.0/5 "Blown Away!"
      Tata AIG gave me the policy coverage around 1.50 lakh for my four wheeler. I have insured Vista 2012 model, cost of the car was around Rs.4.80 lakhs. I was making the premium around Rs. 8000 on yearly basis. I am okay with the policy cover so far I don't have any claim experience.
      Was this review helpful? 0
      , medak
      Reviewed on Oct 19, 2017
    • Bajaj Allianz Car Insurance
      "Excellent policy "
      0.5 5.0/5 "Blown Away!"
      I got the 2nd hand car so I have got the insurance policy with BAJAJ allainze. I paid Rs,18,000 to renew the policy, I never had any claim experince so far. The plan benefits and the coverage is good with this policy. The customer support is good with bajaj alliance because it was very easy to get a car insurance with bajaj car insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • United India Car Insurance
      "Better policy to use"
      0.5 5.0/5 "Blown Away!"
      I got the united India 4 wheeler insurance policy in the year of 2013. The intimations are given on time to renew the policy. I paid Rs,7000 to renew the policy, .I never had any claim experience with policy. The plan befits and he coverage is good with this policy . The cashless garages option is also available with this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • Bajaj Allianz Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I do have the four wheeler insurance policy with the Bajaj Allianz general insurance company. I took around 80% of damage cost as reimbursement for my claims, which I have done before. Experience was good one with the Bajaj Allianz.
      Was this review helpful? 0
      , goa
      Reviewed on Oct 17, 2017
    • HDFC Ergo Car Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      With the help of bank executive, they gave me the car insurance from HDFC Ergo, the premium amount I paid it around Rs. 18,000 it has tenure of tenure one year. It giving full coverage include all parts of the vehicle. I am very fine with HDFC Ergo.
      Was this review helpful? 0
      , indore
      Reviewed on Oct 17, 2017
    • ICICI Lombard Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have insured my car with the ICICI Lombard general insurance company and the response is also good one for me. Plan benefits are also good one with them and they have provided around 80% of cost of the damage of car as claim reimbursement.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Oct 17, 2017
    • ICICI Lombard Car Insurance
      "average service"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance with ICCI when I take my car from the showroom so there was no need of documents during the process because it have been taken cared by the dealer as they already have my documents also the payments I use to pay my payments directly to my dealer ,I can say the service of ICICI is very average.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • HDFC Ergo Car Insurance
      "Good Policy to hold"
      0.5 4.0/5 "Great!"
      I have got a car loan with HDFC Bank and they suggested me their HDFC car insurance. I also took their HDFC ERGO GENERAL INSURANCE for my car. Their service is good and customer care is quick and easy to contact. As the car is new so I do not have a claim experience with them till now.
      Was this review helpful? 0
      , bikaner
      Reviewed on Oct 16, 2017
    • United India Car Insurance
      "Excellent policy to use"
      0.5 5.0/5 "Blown Away!"
      I hold the national insurance car insurance policy for past 20years. The claim experience is very good with national insurance . I got the claim amount within 30 days of time and they approved for 70% I am satisfied the having he car insurance policy.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 16, 2017
    • Reliance General Car Insurance
      "Good Policy to hold"
      0.5 3.0/5 "Satisfactory"
      When I took my car loan with HDFC Bank and took the car the car dealer suggested me this RELIANCE GENERAL INSURANCE so I took is so I don't have any claim experience also as the car is new. I need to pay Rs. 14000 to Rs. 15000 annually for this car insurance.
      Was this review helpful? 0
      , kolhapur
      Reviewed on Oct 16, 2017
    • Bajaj Allianz Car Insurance
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      I have insured my four wheeler with the Bajaj Allianz general insurance company and the customer service is good one with them and I have not faced any issues with them , also I have not faced any claims wiht them till now.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • Oriental Insurance Car Insurance
      "average service"
      0.5 3.0/5 "Satisfactory"
      Once I got my alto I got a call from ORIENTAL bank representatives regarding my car insurance service they completed the process very quick and they were not needed with my documents because already showroom have my documents so it was easy process and early I use to pay 18 % through my credit card I will say the overall service is average from ORIENTAL.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 16, 2017
    • Oriental Insurance Car Insurance
      "Excellent policy to use"
      0.5 5.0/5 "Blown Away!"
      The Oriental 4 wheeler insurance has the tie up with Maruthi . The customer service is good with oriental . I hold the Oriental car insurance for past 3years. I got the claim experience is good with this policy. The cashless garages option is available with this policy.
      Was this review helpful? 0
      , greater noida
      Reviewed on Oct 15, 2017
    • HDFC Ergo Car Insurance
      "Average policy to use"
      0.5 3.0/5 "Satisfactory"
      I don't have much experience with HDFC ergo 2 wheeler insurance policy. I hold the 2 wheeler insurance for past 6years. I renew the policy every year. I paid around Rs,900 to renew the policy., The customer support is average with HDFC ergo. They intimate to renew the policy on time before the due dates.
      Was this review helpful? 0
      , noida
      Reviewed on Oct 14, 2017
    • Bajaj Allianz Car Insurance
      "Good Policy to hold"
      0.5 5.0/5 "Blown Away!"
      I hold a car insurance policy with BAJAJ ALLIANZ GENERAL INSURANCE for my car. From last year I'm having this car insurance. I have no claim experience so far with them as there is no problem with my car till now. I pay a premium of Rs. 7000 annually for this car insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2017
    • HDFC Ergo Car Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      As I got a car loan with HDFC ERGO, I had to taken this car insurance with HDFC ERGO GENERAL INSURANCE. It should not be a mandatory process to take the car loan along with their insurance. I don't have a claim experience with them so far the car is new.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 14, 2017
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