7 types of Car Insurance covers accessible

7 types of Car Insurance covers accessible

Life is precious, and so is your car. Just as you take steps to protect your health through a balanced diet and exercise, safeguarding your vehicle is equally important. Nobody wants to find themselves in a road accident, facing hefty hospital bills and legal troubles. Therefore, ensuring the safety of your prized possession, your car, requires careful research and financial planning.

Choosing the Right Car:

When you select your vehicle from the dealer's showroom, you're making a significant investment that should align with your family's needs and desires. To ensure its longevity and minimize expenses, it's crucial to drive safely on the often unpredictable Indian roads. However, with the increasing number of accidents, it's wise to fortify your four-wheeler with comprehensive car insurance, providing protection against theft and various types of damage.

Understanding Coverage Types:

During your car insurance renewal process, you'll encounter various add-on covers designed to offer additional protection for your vehicle. While they may come at an extra cost, these add-ons prove to be valuable assets, saving you from numerous hassles and financial burdens in the event of a mishap, including repairs and medical expenses. Below are some of the key add-on covers to consider:

1. Comprehensive Coverage:

Comprehensive coverage extends protection to your car in the face of unforeseen events such as adverse weather conditions, floods, fires, and theft. When renewing your auto insurance, you can opt for this cover, which not only safeguards your vehicle but also covers passengers, drivers, third-party vehicles, and occupants. Furthermore, having anti-theft devices installed can reduce the risk of theft and, subsequently, lower your premium.

2. Personal Injury Coverage:

Personal injury coverage takes care of medical bills for both the driver and passengers, regardless of who is at fault in an accident. This coverage is highly beneficial and should be included when renewing your car insurance online.

3. Uninsured Motorist Protection:

Accidents involving uninsured vehicles can leave you responsible for repair costs, depleting your savings. When the other party's insurance is insufficient to cover your vehicle's damages, uninsured motorist protection comes to your aid. Include this as a rider during your four-wheeler insurance renewal to ensure you're protected in unforeseen incidents.

4. Roadside Assistance:

In case your vehicle breaks down or sustains damage during a road trip, opting for roadside assistance during your car insurance renewal online can be a lifesaver. Your insurer will provide support in moving your car to the nearest service center for repairs.

5. Liability Coverage:

Under the Motor Vehicles Act, liability coverage is a must. It covers the costs of repairing or replacing damaged parts and comes to your aid in the event of an accident. Additionally, it covers third-party injuries, property damage, and even fatalities. Make sure to select this cover during your car insurance online renewal.

6. Collision Coverage:

Adding collision coverage during your car policy renewal means the insurer will handle repair expenses following a collision. The coverage value is typically determined based on your car's age. If the repair costs exceed the market value, the company will reimburse you with the market value of the vehicle.

7. Zero Depreciation:

Zero depreciation means that your vehicle is spared from general depreciation during claims. Most insurers consider depreciation when settling claims, resulting in lower payouts. By including this rider during your car insurance policy renewal, you can enjoy full reimbursement without any depreciation deductions, ensuring you receive more money during claims.


Your car is more than just a mode of transportation; it's an asset that deserves protection. By understanding the various coverage types and selecting the appropriate add-on covers during your car insurance renewal, you can ensure that your valuable possession remains safeguarded, even in the face of unexpected events. Don't compromise on the safety of your car; invest in comprehensive car insurance for peace of mind on the road.

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