When purchasing car insurance for your Hyundai, a basic comprehensive policy might not always provide the level of protection you desire. This is where add-on covers come into play. Add-ons are optional features you can include in your car insurance policy to enhance its coverage, providing you with financial security in various unexpected situations.
Here are the top three add-on covers every Hyundai Car Insurance owner in India should consider:
1. Zero Depreciation Cover
One of the most popular add-ons, Zero Depreciation Cover, ensures that the depreciation cost of your Hyundai car’s parts is not deducted during a claim settlement. Normally, when you file a claim, the insurer factors in the depreciation of car parts, leaving you to bear a portion of the repair cost. With this cover, you receive the full claim amount without any depreciation deductions.
Key Benefits:
- Covers the full cost of replaced parts like plastic, metal, or fiber components.
- Highly beneficial for new Hyundai cars like Creta, i20, or Venue, where repair costs can be significant.
- Ideal for cars under five years old.
Why You Need It: Hyundai cars Insurance are known for their premium design and advanced features. Repairing such vehicles can be expensive, and this add-on ensures your out-of-pocket expenses are minimal.
2. Engine Protection Cover
The engine is the heart of your Hyundai car, and any damage to it can result in costly repairs. Unfortunately, most standard insurance policies do not cover engine damage caused by reasons like water ingress, oil leakage, or hydrostatic lock. This is where an Engine Protection Cover becomes essential.
Key Benefits:
- Covers repair or replacement costs for the engine and its parts.
- Protects against damage caused by waterlogging, a common issue during India’s monsoon season.
- Useful for premium Hyundai models like Verna or Tucson with advanced engines.
Why You Need It: Indian roads are notorious for waterlogging, especially during heavy rains. If you live in areas prone to flooding, this add-on ensures your Hyundai’s engine is protected against unexpected damages.
3. Roadside Assistance Cover
Imagine being stranded on a deserted road due to a flat tire, dead battery, or mechanical failure. Roadside Assistance (RSA) Cover provides immediate help in such situations, ensuring that you are never left helpless.
Key Benefits:
- Provides services like towing, battery jump-start, fuel delivery, and flat tire assistance.
- Offers round-the-clock support across India.
- Peace of mind during long road trips or daily commutes.
Why You Need It: Hyundai cars are reliable, but no vehicle is immune to unexpected breakdowns. Whether you’re driving a Hyundai Santro or an Alcazar, RSA Cover ensures you have professional help at your disposal whenever you need it.
Conclusion
While your standard Hyundai car insurance policy provides basic protection, these add-on covers can significantly enhance your financial security and peace of mind. Whether it’s safeguarding against depreciation, protecting your engine during the monsoon, or ensuring assistance during a breakdown, these add-ons are worth the additional cost. Before purchasing, assess your driving habits, geographical conditions, and vehicle model to choose the right combination of add-ons for your Hyundai. A little extra investment today can save you from significant expenses tomorrow!
