Drive Smart, Insure Smarter - Essential Car Insurance Add-ons for Your New Car

Add-ons That Make a Difference

1. Zero Depreciation Cover – Drive Without Worries
   Did you know that the value of your car starts depreciating the moment it leaves the dealership? In fact, within the first year alone, it could lose up to 20% of its value. A zero depreciation add-on ensures you receive the full claim amount without factoring in depreciation costs on replaced parts like bumpers, plastic, and metal components.
2. Engine Protection Cover – Shield Against Unseen Damages
   Engine repairs can be expensive, often running into lakhs of rupees. This cover protects you against damage caused by waterlogging, oil leakage, or hydrostatic lock. Essential for people living in flood prone areas, this add-on ensures you don’t have to pay hefty repair bills.
3. Return to Invoice (RTI) – Your Car’s True Worth
   If your car is stolen or declared a total loss due to an accident, a standard policy would only reimburse the insured declared value (IDV), which is typically lower than the actual invoice amount. With RTI, you get the full on-road price of your car, covering the cost of registration and road tax too.
4. Roadside Assistance (RSA) – A Lifesaver in Emergencies
   Ever found yourself stranded due to a flat tire or battery failure? RSA add-on provides immediate help, covering services such as towing, minor repairs, fuel delivery, and even hotel stays if needed. A must-have for frequent travelers.
5. Consumables Cover – Don’t Let Small Costs Add Up
   Brake oil, coolant, engine oil, nuts and bolts – these small but essential items aren’t covered under standard policies. This add-on ensures that every little expense required during the car repairs is taken care of.
6. Tyre Protection Cover – Stay Ready for Rough Roads
   Potholes, debris and bad road conditions can cause tire bursts and sidewall damage. Repairing or replacing a tyre, especially in premium cars, can be expensive. This cover helps you avoid these sudden expenses.
7. Key Replacement Cover – Lost It? No Worries!
   Car keys have become technologically advanced and costly to replace. If you lose your key or it gets stolen, this add-on ensures you’re covered for the replacement cost, sparing you the hassle and expense.

Secure Your Drive, Secure Your Peace of Mind

Your car is more than just a mode of transport—it's a reflection of your aspirations and hard work. Investing in the right insurance add-ons ensures that unexpected situations don’t derail your journey. Whether it's an unforeseen accident, a sudden breakdown, or the harsh realities of depreciation, having the right coverage in place keeps you protected. So, when you buy car insurance, make sure to explore and check Jio Insurance Broking for add-ons that fit your lifestyle and driving needs. After all, a little extra protection today can save you from big expenses tomorrow.