Car Insurance Add on Covers List: Car, bike or scooty, if you have any of these vehicles then today’s news is especially for you. There are some mistakes which if you make while taking car, scooty or bike insurance, then at the time of claim the company will clearly refuse to give you money.
Even after having a car insurance policy, it happens many times that the insurance company flatly refuses to give a claim to the customer. In this case, the customers get a big shock because they have to pay the entire cost of getting the car repaired from their own pocket. Keeping in mind that something like this should never happen to you, today we are going to explain to you every small and big problem related to car insurance.
Buying insurance is not enough, some Car Insurance Add on Covers are also offered by the company, if you do not buy them then you may suffer loss, let’s understand how?
Why do you not get claim even after having Car Insurance?
Katariya Insurance’s Motor Head Santosh Sahani told that the insurance company also has Tyre Protection Add on which gives you a new tyre in case the tyre of your car or bike/scooty bursts or gets cut. The advantage of the add on is that you do not have to spend money for the new tyre. If you have not taken this add on plan then you will not get a single penny for the tyre from the company.
The second add-on plan is NCB Protection. You must have noticed that after taking a claim for the car, your NCB i.e. No Claim Bonus is completely over, due to which you have to spend more money for the premium next year. But if you have taken this add-on plan, then you can take one claim in a year and your NCB will also not end.
The third add-on plan is Loss of Personal Belongings. Many times people leave valuables in the car and go away and then thieves steal valuables from the car and escape. If you do not have this add-on plan, then you will not get a single penny from the company. In this add-on plan, the company only covers mobile and laptop, cash and jewelry are not covered. You will get money for mobile and laptop even when you have its bill.
The fourth add-on plan is Engine Protect. If you also feel that the engine is also covered in your car insurance, then it is not so, companies sell separate engine protect plans for the protection of the engine. If you do not take this plan, then you will not get claim money from the company.
The fifth add-on plan is Consumable Covers. When the car goes for claim, there are some expenses for which the company does not pay, one of them is Consumable Cover. It includes things like grease, washer, engine oil, screw, oil filter etc. Note that this add-on plan will not be available with a car older than five years.
