Basic car or bike insurance often leaves gaps. That’s where add-ons like Zero-Dep, NCB Protect, and Engine Protect come in. In 2025, these low-cost covers can save Indian drivers from hefty repair bills, especially during accidents or monsoons. Here’s what to know.
India Snapshot
- Popular Add-Ons (2025): Zero-Dep, NCB Protect, Engine Protect, Roadside Assistance, Consumables Cover, Return-to-Invoice.
- Cost Range: ₹250 – ₹4,000/year depending on car age, city, and insurer.
- Payments: UPI, NetBanking, Cards, EMI for annual premium.
- GST Invoice: Available across all IRDAI-approved insurers.
- Best Platforms to Buy: PolicyBazaar and Coverfox.
Compare car & bike add-ons instantly:
Check Motor Add-Ons on PolicyBazaar
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1. Zero Depreciation Cover (Zero-Dep)
- Ensures 100% claim for car parts (plastic, metal, fibre).
- No deductions for depreciation during claim settlement.
- Best for: New cars, high-end vehicles, city users.
Premium: ~₹1,500–₹3,000/year.
2. NCB Protection (No Claim Bonus Protect)
- Protects your accumulated No Claim Bonus (20–50% discount) even after a claim.
- Saves money at renewal.
- Best for: Safe drivers with a claim-free record.
Premium: ~₹500–₹1,000/year.
3. Engine Protect Cover
- Covers water ingression, hydrostatic lock, oil leakage.
- Extremely useful during monsoons in Indian cities.
- Best for: Flood-prone areas (Mumbai, Chennai, Kolkata).
Premium: ~₹1,000–₹2,000/year.
Other Add-Ons Worth Considering
- Roadside Assistance (RSA): Towing, breakdown support, fuel delivery. (~₹500/year)
- Consumables Cover: Covers nuts, bolts, lubricants, coolants. (~₹250–₹500/year)
- Return-to-Invoice: Pays full invoice value if car is stolen/total loss. (~₹1,000–₹2,500/year)
Pros and Cons
Pros
- Protects against costly surprises.
- Affordable yearly premiums.
- Customizable per driver’s needs.
Cons
- Adds to total premium cost.
- Some add-ons not available for cars older than 5–7 years.
Quick Checklist for Buyers
- Always add Zero-Dep for new cars.
- Take Engine Protect if you live in flood-prone areas.
- Use NCB Protect if you have 20%+ bonus.
- Add RSA for long-distance/highway drivers.
- Confirm GST invoice for tax benefits.
Protect your vehicle with the right add-ons in 2025:
Compare Car Insurance Add-Ons on PolicyBazaar
Check Bike & Car Add-Ons on Coverfox
In 2025, smart Indian drivers don’t stop at basic motor insurance. Adding Zero-Dep, NCB Protect, and Engine Protect shields you from hidden expenses, especially during monsoons or accidents. With premiums starting as low as ₹250/year, add-ons are affordable peace of mind.
