National Car Insurance Add-On Covers

National General Insurance offers a diverse range of add-on covers that increases the coverage of your Private Car Package Policy and Standalone Own-Damage Private Car Policy. Besides expanding the policy cover it also enhances your claim amount. By paying a little extra premium you can avail these add-ons and enhance the protection for your car.

1. Zero Depreciation Cover

Depreciation lessens the value of your car, which ultimately reduces your coverage amount. However, with this zero depreciation add-on cover, you can get compensation for your default depreciation amount applied on all the parts of your car, other than tyre, tube and battery, where only 50% depreciation is exempted. This cover can get you an enhanced claim amount, but applicable only for cars up to 5 years of age.

2. Roadside Assistance Cover

The roadside assistance is an add-on cover that extends your policy coverage to support you in case your car breaks down or experiences any technical glitch anytime, anywhere It makes you get assistance from your insurer in several ways such as fuel delivery, towing service, battery jump-start assistance, and so on. You can prevent yourself from emergency discomfort by getting this add-on.

3. Consumables Cover

This consumable add-on cover helps you get compensation from your insurance provider for the amount of repair or replacement incurred due to damages sustained by the consumable parts of your car such as engine oil, nuts and bolts, screw, grease, etc. These types of coverage are generally not covered under the standard own-damage or comprehensive car insurance policy.

4. Return to Invoice Cover

With this Return to invoice add-on cover, if your car gets stolen or lost, then you will be entitled to receive original invoice value of your car which comprise registration charges and road tax of your car instead of only insured declared value (IDV), which is the present market value of your car after applying default depreciation with time. In simple terms, this cover compensates for the amount which comes as a difference between your car’s claim amount and its original purchase price, in case of a total loss.

5. Engine Cover

This is an add-on cover that offers compensation against the repair expenses incurred due to the damages suffered by the engine of your car or its gearbox parts or differential parts. With this add-on, you can cover any damage, which emerges due to entering of water in the engine, lubricating oil leakage, etc., which has the potential to even damage the engine.

6. No Claim Bonus (NCB) Cover

No Claim Bonus (NCB) is a reward in terms of discount, which you can gain by not making any claim in a policy term. This discount is accumulated with every claim-free year and is applied to the premium of your own-damage cover. However, you lose this NCB if you make even a single claim. To retain this NCB cover, you can buy a No Claim Bonus (NCB) add-on cover with the payment of an additional premium amount. This will make your NCB unaffected and continue to benefit you even after making a claim in the policy term.