Must-Have Add-Ons for Comprehensive Car Insurance Coverage

Must-Have Add-Ons for Comprehensive Car Insurance Coverage

A comprehensive car insurance policy tries its best to protect you and your vehicle. However, in some cases, even with standard policies, some gaps need to be filled on a serious note. This is why add-on covers are necessary. Here, in this blog, we will try to find out which types of add-on covers are important to be added to car insurance if any unexpected things happen. Appropriate comprehensive car insurance in Dubai, provided by reputed agencies always offers add-on covers to the policyholders. Let’s explore how car insurance can be transformed into an impactful insurance that can help the beneficiary at this time. 

The Unavoidable Significance of Car Insurance Add-On Covers

Car Insurance is crafted to provide financial help to policyholders in the event of any negative incidents. However, we all know that each car insurance policy has some limitations. Therefore, it is essential for policyholders to opt for additional premiums that can extend the beneficiary's financial scope.

You can find the add-on covers for the car insurance under the comprehensive or the stand-alone policies. These types of covers can not be available from third-party agencies. If you accept these add-on covers, it will slightly uplift the cost of the premium but the effective financial support in the time of the crisis can easily make you feel the importance of your initial investment on a practical note.

The Add-On Covers Under Car Insurance

These days, insurance policies are generally crafted by focusing on various points of benefits for the policyholders. Car insurance is not an exception in this case. A perfect online car insurance in UAE provided by an esteemed company provides various types of add-on covers under it. Let’s have a detailed look at the add-on covers essential for the policyholders. 

Zero Depreciation Cover

These days, the most popular add-on cover is the zero depreciation cover. It protects the policyholder from the economic impact of his car’s depreciation. After a long time, due to wear and tear, the car loses its value. In this case, at the time of the claim settlement, the car owners generally end up providing the extra cost for repairs.
If your car is the Zero Depreciation Cover, the insurance company bears the entire cost of the repair with the maximum claim amount. 

No Claim Bonus Protection Cover

This type of cover is the most interesting one among the add-on covers. A lot of policyholders take pride in not claiming any financial help during the time frame of the policy. This proves that the car owner has driven the car safely. Due to this, the agencies provide them a no-claim protection cover, which means, that if the car owner renews the policy after a certain time frame, his renewal cost would be reduced.

Engine Protection Cover

We all know the fact that the engine is the heart of any vehicle. The standard car insurance policies may not cover the protection of the engine. In case of any water ingress, oil leakage, or mechanical failure, comprehensive car insurance in Dubai can financially help you to get those fixed on a quick note.

Roadside Assistance Cover

Getting into trouble in the middle of the road can surely become a misery for the car owners. If this happens in an unfamiliar place, then it can be worse. In this case, if you are already enrolled in the roadside assistance cover, you can just call and ask for help.

This type of cover can provide finances for services like replacement of the flat tires, minor-site repairs, etc. If you have lost your keys or want to jumpstart your battery, this add-on cover can surely help you on a practical note.

Return to Invoice Cover

When time flows, the value of a car always decreases. In case of any theft or a total loss, a standard car insurance company can give you the decreased value of the car generally. But if you are enrolled in any kind of comprehensive car insurance in Dubai, you can have the benefit of the Return to Invoice Cover. In this case, you can be reimbursed with the original price of the car with which you have bought the same. But generally, this cover is only applicable for the new cars. The time frame can be four years or five years. It depends on the insurer. 

Daily Allowance Cover

Be it repair at a garage or repair at your home, it would disrupt your daily routine and incur additional traveling expenses; the daily allowance cover will compensate for these costs if you are using public transport or hiring a temporary vehicle.

This add-on comes in very handy for regular car commuters. However, this kind of insurance coverage is valid only when the repairs are done at a garage that is in the network of the insurer.

Passenger Cover

Most policies tend to cover the accidents of drivers, but they usually tend to exclude passengers. Passenger cover covers all individuals in a car in case of an accident.

This add-on provides coverage for medical expenses, hospitalization charges, and the charges of an ambulance for passengers. It also gives compensation in case disability or death takes place. This cover is added security for families or those who travel often with others. The providers of comprehensive car insurance in Dubai, are now offering this kind of cover to make the passengers feel safer. 

Key Points to Keep in Mind Before Opting For Add-on Covers 

While thinking about getting motor insurance in Dubai, you have to always focus on the add-on covers the company is providing. In this case, some of the key points you need to remember.

Additional Costs

The most important thing is the additional costs. These covers depicted above would not come into the generic cost of car insurance. You have to bear additional costs for these. 

Eligibility of the car

In the case of some coverages like zero depreciation or engine protection, they are only available for the new cars. Therefore, before jumping on the add-on covers provided by a reliable provider of comprehensive car insurance in Dubai, you have to look at whether your car is applicable or not. 

Terms and Conditions

Before opting for insurance, you have to be very sure about the terms of the policies. Having a clear idea about the exclusions and limitations would be beneficial for you on a practical level. 

If you are looking for a perfect online car insurance in the UAE, you must visit the site of GIG. Along with the standard coverages, we provide the best add-ons as well, which can protect you and your vehicle in any case of unwanted incidents. To explore the best options for car insurance policies and protect your car with optimum financial help, visit us.

Wrapping up

Covering your car with comprehensive car insurance would be a wise choice these days. Getting full-fledged coverage can save your financial losses on a practical note. Therefore, not only the standard but comprehensive car insurance in Dubai would be beneficial for you in many ways. Relying on reputed companies like GIG would be a knowledgeable step for you in this case.