In India, Engine Protection Cover is an optional add-on to a comprehensive motor insurance policy. It provides financial protection against damages to the engine and its internal components, which are typically not covered under standard comprehensive policies. This cover is especially beneficial in scenarios like water ingress during monsoons, which can lead to engine failure.

Key Features of Engine Protection Cover

• Coverage: Typically includes repair or replacement costs for internal engine parts like pistons, crankshaft, cylinder head, and gearbox components due to damages from water ingress, oil leakage, or accidental undercarriage impacts. 

• Exclusions: Generally excludes damages due to regular wear and tear, negligence (e.g., attempting to start a water-logged engine), and pre-existing engine issues.

• Claim Conditions: Some insurers may require that the vehicle be repaired at authorized workshops to avail full claim benefits. For instance, certain policies stipulate that if repairs are done at non-authorized workshops, the insurer’s liability may be limited to a percentage (e.g., 75%) of the assessed claim amount. 

• Impact on No Claim Bonus (NCB): Filing a claim under this add-on may affect the NCB of your base policy. 

Zero Depreciation Cover (also called Nil Depreciation or Bumper-to-Bumper Cover) is an add-on rider available with comprehensive car insurance policies in India. It ensures that no depreciation is deducted on the value of replaced parts during a claim settlement, meaning you receive the full claim amount without any deduction for part wear and tear.

Key Replacement Cover is an optional add-on in vehicle insurance that reimburses the cost of replacing lost, stolen, or damaged vehicle keys and locks. It can be added to a comprehensive car insurance policy for an extra premium.

Tyre Protection Cover is an optional add-on to a comprehensive car insurance policy in India. It provides financial coverage for repair or replacement of tyres and tubes damaged due to accidental means, such as potholes, cuts, bursts, or road debris—which are not typically covered under standard insurance

Consumables Cover is an add-on to a comprehensive vehicle insurance policy in India that covers the cost of non-reusable items used during vehicle repairs after an accident. These include parts not covered under standard insurance but necessary for restoring the vehicle. ⸻ What Are Consumables?

Consumables include:

• Engine oil

• Coolant

• Brake oil

• Lubricants

• Nuts, bolts, screws

• Grease

• AC gas

• Bearings, washers, clips, etc.

These items are excluded in standard comprehensive insurance, which only covers major parts and labor.

Loss of Personal Belongings Cover is an optional add-on in vehicle insurance in India that provides reimbursement for the loss or theft of personal items kept inside your insured vehicle at the time of an accident, theft, or break-in.

RSA Cover stands for Roadside Assistance Cover, an optional add-on in vehicle insurance in India that provides 24x7 emergency help if your vehicle breaks down or becomes immobilized while on the road.

Return to Invoice (RTI) Cover is an add-on in comprehensive vehicle insurance in India that helps bridge the gap between the Insured Declared Value (IDV) of your vehicle and the original invoice value, in case of total loss or theft of the vehicle. .

⸻ Key Features of Return to Invoice Cover: .

Coverage: Pays the original invoice value (on-road price) of the car, including road tax and registration fees, instead of just the depreciated IDV. .

When it Applies: Only in case of total loss, constructive total loss, or irrecoverable theft. .

Eligibility:Usually available for vehicles up to 3 years old (varies by insurer) .

Replacement Benefit: Some insurers even offer replacement of a brand new vehicle of same make & model. .

Add-On Premium: Generally a small % of total premium (varies by car value and insurer) .

Third-Party Liability Cover is a mandatory vehicle insurance as per the Motor Vehicles Act, 1988 in India and is regulated by the Insurance Regulatory and Development Authority of India (IRDAI).

⸻ What is Third-Party Insurance?

Third-party insurance protects the vehicle owner (policyholder) from legal and financial liabilities arising from:

1. Injury or death of a third person (including pedestrians, passengers, other drivers)

2. Damage to third-party property (e.g., another vehicle, wall, shop, etc.)

It does not cover the policyholder’s own vehicle or personal injury.