• 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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    • National Insurance Car Insurance
      "Its Average"
      0.5 4.0/5 "Great!"
      National Insurance have not reached me to renew the policy, their customer service should be improved. I paid the premium around Rs.2500 for one year, I have insured Mercedes car its a second hand car. IDV value was good with third party cover and other features.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
    • ICICI Lombard Car Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have recently renewed my car insurance from the ICICI LOMBARD GENERAL INSURANCE company. I have paid Rs,14,000 to renew the policy last year. I never got any claim experience with this policy. This policy has the validity up to a year. I would say it is a good policy to use.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • National Insurance Car Insurance
      "Average service"
      0.5 1.0/5 "Really Bad"
      I have directly taken a car insurance from National insurance on august month. The payments are generally through cheques but I feel they need to improve the response. There is no proper intimations regarding the payments. It is a fine experience with National car insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Bajaj Allianz Car Insurance
      "Good insurance"
      0.5 4.5/5 "Excellent!"
      I have taken the car insurance with Bajaj Allianz General Insurance through online channel. The customer service was good. I did a comparison and found the offers are best with them. The premium and benefits are good compared with other insurance companies. I paid 6,850 rupees per annum.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Feb 20, 2018
    • ICICI Lombard Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Previously I had a car insurance with ICICI Lombard and it was suggested by the dealer. I have purchased Maruti Wagnor. I don't have any claim experience till now. I paid around 8000 rupees to purchase this insurance. The IDV and policy coverage is good.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Feb 20, 2018
    • Oriental Insurance Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have Car Insurance with Oriental Insurance six months ago,i have no claim experience so far,the payment is done directly at the counter.The model of the card is 2003,the policy coverage amount is fluctuating depends on the car value at the time of service.The premium amount is 4500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • ICICI Lombard Car Insurance
      "Good banking"
      0.5 5.0/5 "Blown Away!"
      I have taken Car Insurance with ICICI Lombard,the premkum amount is 8000 per year.The policy coverage is zero depreciation.I have no claim experience with them.I have no claim experience till date.They had processed the insurance within the TAT.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • Reliance General Car Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      For the past 3 years I am renewing my car from the RELIANCE GENERAL INSURANCE company,. I paid Rs,20,000 to renew the policy last year. The policy coverage is good with the policy . The cashless garages options is good with the RELIANCE GENERAL INSURANCE car policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 19, 2018
    • Royal Sundaram Car Insurance
      "Car insurance with ROYAL SUNDARAM "
      0.5 4.0/5 "Great!"
      I have taken a car insurance from ROYAL SUNDARAM GENERAL INSURANCE. The provide bumber to bumber, cashless garages, road assistance. Every year i have to renew the policy and first i made the payment to the showroom itself. Its a good policy.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 17, 2018
    • Tata AIG Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have four wheeler, which got insured with the Tata AIG general insurance company. I have not faced any issues with them and the coverage value is good one too. Online portal of the Tata AIG general insurance company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • HDFC Ergo Car Insurance
      "Good Service and Online Support"
      0.5 4.5/5 "Excellent!"
      I took a Car Insurance from HDFC Ergo and the process was really simple and customer friendly. Also during the Insurance tenure I transferred ownership of my Car and I got an endorsement of my Car Insurance Policy on new owner name done ONLINE without any hassles.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 16, 2018
    • United India Car Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I took my car insurance from United India Insurance by last year. It was good experience and suggested by the dealer. Once I go for claim only can come to know about the service. They are giving bumper to bumper offer. I paid 8K to purchase this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Oriental Insurance Car Insurance
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      I have faced some claims with the Oriental insurance company. Premium is very nominal one with them and the claim got completed on immediate basis. Everything is better one with the the Oriental insurance company.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 16, 2018
    • Reliance General Car Insurance
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      I have insured my car with the Reliance general insurance company. I have got the two claims , which got processed through them. Everything is excellent one with the Reliance general insurance company. Claim processing were done in easy manner with them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 16, 2018
    • National Insurance Car Insurance
      "Its Best"
      0.5 4.0/5 "Great!"
      I took Car Insurance from National, the premium was economical compared to other competitor. IDV value Rs. 4.85 lakhs for my Maruthi car with third party cover, road side assistance. May thing I like in National Insurance, they are providing cashless service and the premium was standard.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 15, 2018
    • Future Generali Car Insurance
      "Very good service"
      0.5 4.0/5 "Great!"
      I got the claim experience with the FUTURE GENERALI GENERAL CAR INSURANCE , I have got the settlement within a week time, so that was the reason i have choose the FUTURE GENERALI GENERAL INSURANCE for my car . The customer support gives the intimation to renew the policy before the due date.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 15, 2018
    • National Insurance Car Insurance
      "Best Policy to hold"
      0.5 4.0/5 "Great!"
      Car Insurance premium is good, they gave me policy cover based on the age of the vehicle. National Insurance sent me the policy copy on time. My spouse have been taking insurance from same company for long term because they give third party, road side assistance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 15, 2018
    • Royal Sundaram Car Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken Car Insurance with Royal sundaram,the premium amount is 5000 per annum.The payment is done through a different modes as per the requirement.The policy coverall amount is 70% for fibre materials and for other its 50-60% ,i have claim experiences once they had covered completely.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 15, 2018
    • New India Car Insurance
      "Good insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken a Car Insurance with New India Assurance with them,the premium amount is 7000 paid by cheque per annum.I have no claim experience with em till date.The policy coverage amount is three lakhs,I have taken this long back,whenever i approach them they respond on time.
      Was this review helpful? 0
      , kanpur
      Reviewed on Feb 14, 2018
    • Oriental Insurance Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with Oriental Insurance by last year. I don't have any claim experience. I paid 17,000 rupees for one year and purchased this insurance. It was purchased through online. They offered a good IDV value and benefits.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 14, 2018
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