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Car Insurance - Understanding Riders and Benefits

Sep 05, 2013

Comprehensive car insurance in India covers the following:

  • Loss or damage caused to your vehicle by natural/manmade calamities

  • Loss or damage caused by you to a third party (driver/vehicle/property)

A Personal Accident Cover

Buying a comprehensive car insurance plan is not the ideal solution as there are many exclusions.


These are optional add-ons to any standard plan that enhances coverage on insurance. Riders offer unique valuable benefits. All you need to do is shell out some extra money to get these.

Engine Coverage Rider

Not many are aware of this rider. But the insurance company covers engine repair in case it is damaged due to leakage of oil, water stalling etc. if you opt for this rider.

Roadside Assistance and Towing Rider

If you don’t want to get stuck in the middle of the journey just because of a flat tire or breakdown due to any other reason, invest in this valuable rider. The handy rider will help you get you covered for 24x7 roadside assistance for a variety of problems such as fuel delivery, vehicle getting towed away to garage, repair of minor repairs, tyre change, duplicate keys, battery jumpstart, etc. The rider will help you enjoy a hassle free, enjoyable drive always.

Zero-Depreciation Cover

A standard car insurance plan will consider the depreciated value of the damaged parts in case of a claim. The present market value is not taken into account. This is also the reason the claim amount received is never enough to replace fiscal loss completely. The depreciation rate varies depending on factors such as make of the car, age, model of the car. In short, you will pay a considerable portion of the full claim amount from your own pocket. A zero depreciation cover guarantees full claim amount with zero deduction.

Here's How:

Imaginary Situation

A Standard Car Insurance Plan

Zero Depreciation Plan

Accident occurs.

Accident occurs.

Complete loss stands at 1 lakh INR.

Complete loss stands at 1 lakh INR.

The insurance company pays
an amount ranging between
60,000 and 70,000 after the depreciation (30-40%)

The insurance company pays the insured 1,00,000 INR. This is the Full Claim Amount.

Personal Accident Rider

Most auto insurance policies in India are available with this rider. In case, the plan doesn’t cover personal accident, you must add it in your plan. This rider will cover you against the following:

  • Accidental death

  • Temporary partial disability

  • Permanent partial/total disability

Ambulance and Medical Expenses Rider

In case, the insured had an accident, he or she must be rushed to the hospital for the emergency treatment. This rider will compensate for the ambulance charges as well as medical expenses. The compensation is made for a fixed amount which is up to a maximum limit of 10,000 INR.

Vehicle Replacement

Accidents can sometimes destroy your car beyond repair. Car getting stolen may also turn out to be a great misfortune. Insurance companies declare these cases as 'total loss' company. The claim amount received under such circumstances is less than the actual market value of the car. This amount may not be enough for a replacement. A vehicle replacement cover will get your car replaced with a new equivalent car.

Rental Reimbursement

Once the car is damaged and is sent out to repair centre, the waiting period kills. The time consuming process can deter your daily tasks. You may need another ride to commute to your workplace. Renting a car comes handy these days. Having an insurance plan in hand will help you cope with these costs. A rental reimbursement rider will pay for your car rental bills of during this time.

Read More on Car Insurance Information