What are Add-Ons in Car Insurance
Car insurance is necessary to cater to the legal mandate and secure owners from major financial debts. Insurance providers offer different types of coverage ranging from basic ones to third-party liability. Though these insurance plans are comprehensive, a few aspects are not covered in it. This is when the car insurance add-ons came into the picture. These are the additional coverage provided to the owner.
Let’s take a closer look at the add-ons in car insurance and elaborate on their benefits in detail.
What Is Add-On in Car Insurance Policy
Vehicle insurance add-ons are additional coverage options that help increase the insurance coverage above and beyond the standard options. The additional coverage comes with an additional premium increasing the overall insurance premium. Moreover, the add-ons are offered on comprehensive car insurance or standalone customised insurance plans only. Owners can not opt for add-ons on a third-party liability plan.
Why Add-Ons in Motor Insurance Is Necessary
Car insurance is mandatory; however, in certain cases, standard insurance falls short. This is when add-ons in car insurance are required. The add-ons are an additional financial coverage to the standard plan, protecting owners from major debt.
Following are some other benefits of the add-on in car insurance policy.
Offers Emergency Assistance
Add-ons in car insurance offer emergency roadside assistance adding to the convenience of the driver. The assistance usually includes but is not limited to on-spot repair, towing and flat tyre repair.
Aside from the insurance, here are some tips for roadside emergencies in the UAE that can help you.

Retain Depreciation Value
The zero-depreciation add-on aids in retaining the car’s depreciation value. Moreover, it also enables drivers to claim full amounts without any deductions.
Provide Accessories and Engine Protection
In conventional car insurance plans, the engine is not covered. Therefore, in case of any damage to the engine, the car owner is responsible for the expenses. Read through our blog on car engine insurance for more details.
Sustain No Claim Bonus Discount
No claim bonuses are offered if owners do not claim car insurance during the tenure. Insurance add-ons help in sustaining the no-claim bonus providing financial benefit to the owner.
Common Add-Ons in Car Insurance
Now that you are aware of the add-ons in car insurance and its benefits, let’s move towards the common add-ons offered by the insurance provider.
Engine Protection Cover
Car engine parts require regular maintenance, and any damage to the engine can cause a fortune to repair. That said, the car insurance add-ons can secure car owners from the heavy repair cost.

24×7 Roadside Assistance
Round-the-clock roadside assistance helps owners in case of any breakdown or emergency. From towing to refuelling, roadside assistance helps in every possible way.
Zero Depreciation Cover
Multiple factors affect car depreciation lowering the overall vehicle value. Nil depreciation or zero depreciation add-on offers coverage for the full car value without including depreciation.
Key Replacement and Tyre Protection Cover
Key fob replacement can be costly; therefore, opting for it as an add-on is recommended. Similarly, the add-on also covers wear and tear caused by the car tyres.
Consumable Cover
Car consumables like engine oil, power steering oil, brake oil and others can be covered through a consumable cover add-on. Policyholders can claim a refund on consumable items if they are damaged due to an accident or any other scenario that is covered in the plan.
Car Totaled Cover
When a vehicle is damaged beyond repair, it is considered a total car. Although there is total loss car insurance, it provides compensation up to a certain extent in the case of a total car. However, buying an add-on will help in claiming complete compensation for the total car. Alongside total loss, add-ons like gap insurance can also help. The gap insurance coverage includes paying off auto loans if a vehicle is totalled or stolen.

FAQs
What are add-ons in car insurance?
The add-ons are additional coverage offered by the insurance provider in return for charging a higher premium. It provides coverage against elements that are not covered in a standard plan.
What is an engine cover add-on?
The engine cover add-on offers car engine protection in case of any damage.
Can I buy car insurance online?
Yes, you can opt for online car insurance. Read through our blog on buying car insurance online for more information.
This was all about add-ons in car insurance, its benefits and common types. The add-ons protect owners from major expenses and also aid in maintaining the vehicle properly. That said, proper vehicle maintenance aids in sustaining its depreciation value. Therefore, it is important to ensure that any new or used cars for sale in the UAE are properly maintained.
For satisfactory car insurance, opt for the finance and insurance service at dubizzle.
Stay tuned to dubizzle’s auto blog for more information on car insurance.