Insurance is like a spare tyre. You may not require it, but not having one is not an option.
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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    • Royal Sundaram Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a Car Insurance with Royal Sundaram.I pay a premium amount of 15,000 per annum.I have no claim experience so far.I get a good policy coverage e amount.The payment is done by cheque.The website is easy to understand and navigate.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 14, 2017
    • HDFC Ergo Car Insurance
      "Good insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with HDFC Insurance.Its best to get insured with the bank.I get a total policy coverage is 80%.I make a payment of a premium of 7000 per annum its done through cheque.I have a claim experience once with them overall is the best service.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • Chola Ms Car Insurance
      "They should be little proactive"
      0.5 3.0/5 "Satisfactory"
      When my car met with an accident, at the time Cholamandalam were not supported to get the claim, they taken long time to reimburse the money. I am not fine with them, I paid the premium around Rs. 6 to 7k for it has one year for my I10 car. It would be great if they provide fast service.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 13, 2017
    • Royal Sundaram Car Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have Insured my card with Royal Sundaram.I make a premium amount of 700 through an agency.I have a claim experience with them when there was flood they had reimbursed completely 100%, i am very happy banking with them.They keep multiple reminders for the payments.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 12, 2017
    • Reliance General Car Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      The reliance car insurance policy is good to use, because the policy cost is nominal and the service which reliance gives is excellent . The customer support is good with the reliance car insurance service. I have the car insurance Policy with reliance for the past 5years. I would say it is a better policy to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • SBI General Car Insurance
      "Very poor service"
      0.5 1.0/5 "Really Bad"
      The SBI car insurance policy is not up to the mark. The customer support is not up to the mark with the SBI general insurance policy. I have paid Rs,39000 to get this policy. The claim coverage is very low and the claim . I would like to say the SBI general insurance service need to be improved.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • ICICI Lombard Car Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      Using the ICICI Lombard car insurance policy for past 3 years. The claim coverage is good with the ICICI Lombard but the cost is very high with the ICICI Lombard car insurance policy. The customer support is good with the ICICI Lombard , they give intimations to renew the policy on time. I paid Rs,46000 to renew the policy last time. This policy has the validity for 3 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • New India Car Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I had taken a car insurance with New India Assurance,they are the best for car insurance comparatively.I make a payment through an agent and the premium amount is 1050.The customer service team is very quick in resolving any kind of issues.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 11, 2017
    • National Insurance Car Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I got the car insurance policy via my show room executives. I paid Rs,20.000 to get this policy. The customer support is good with the national insurance. I got this policy very recently and I never got any claim experience with this policy. The cashless garages options are good with the National insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • New India Car Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Car insurance with New India Assurance.I have taken this policy last one year.I make a premium payments of 14,000 per annum by cash.I get a good policy coverage amount.The website is easy to understand and navigate,i have no claim experience so far.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Dec 11, 2017
    • Iffco Tokio Car Insurance
      "Wonderful"
      0.5 4.0/5 "Great!"
      I have insured my car with the Iffco tokio general insurance company. Coverage value is good one for me and the response is fine for me. I am happy with the Iffco tokio general insurance company.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 11, 2017
    • ICICI Lombard Car Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I got the ICICI Lombard 4 wheeler insurance around 3 years. The customer support is good and I get the intimations on time to renew the policy. The claim amount will be credited on time and some times I have also got the claim through cashless garages option. I have paid Rs.11,000 to renew the policy last year.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 11, 2017
    • ICICI Lombard Car Insurance
      "Trustworthy"
      0.5 4.0/5 "Great!"
      From the last five to six years of time, I am having the car insurance policy with the ICICI Lombard general insurance company. I would like to say that the response is good one with them and I have got around 65% to 70% as reimbursement.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • ICICI Lombard Car Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have directly taken a car insurance with ICICI,the payments part would be done through online ,the documentation part was simple also the staffs of ICICI bank was very cordial and helpful when compared to others in the market it was a good experience with ICICI car insurance service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 11, 2017
    • United India Car Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I am having car insurance with United India Insurance from last 11 months and it is good insurance policy when compared to other policies. This policy has to be renewed every year for this policy. I pay a premium of Rs 2500 through cash. I do not have claim experience so far with this policy. Customer service is good and they are very helpful.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 09, 2017
    • United India Car Insurance
      "Good Protection for four wheeler"
      0.5 5.0/5 "Blown Away!"
      I insured Maruthi swift worth Rs. 7 lakhs, United India Insurance is providing 100% of coverage. They provide zero dep, I paid Rs. 12,000 per annua they good tie up with good car service centers. I took car insurance from 2014 November onwards, every year agent will come and renew the policy.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 09, 2017
    • Tata AIG Car Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      I am having the car insurance policy with the TATA AIG general insurance company and there are no claims , which I have done with them. Coverage value is good one for me with the TATA AIG general insurance company.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 09, 2017
    • Bajaj Allianz Car Insurance
      "Need to improve the service"
      0.5 4.5/5 "Excellent!"
      My car insurance was taken with Bajaj Allianz. It was suggested by the showroom person. They are providing 90% claim for a new car. After lot of things, I have gained 95%. They should ready to give services for the business people during the accident. Need to provide customer friendly service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 09, 2017
    • National Insurance Car Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have taken a Car Insurance with National Insurance.The premium amount is 8000 per annum.I have a claim experience once they have covered 85% of the value.I have been holding the policy for last two years.The online site is good easy to understand and navigate.
      Was this review helpful? 0
      , madurai
      Reviewed on Dec 08, 2017
    • ICICI Lombard Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a car insurance with ICICI Lombard.The policy is taken few years back.The premium amount is 34,000 paid annually.The total policy coverage amount is 9 lakhs.I pay the payment by cash directly.I don't have claim experience so far.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 08, 2017
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