Customization is an important aspect for any product today. With this in view, Vehicle Insurance providers offer you not only the best in class service but a lot of add-on plans that you can attach to the original vehicle insurance policy to let you customise the plan availed. Riders help you to enhance the cover for your car at a nominal cost. It is mostly availed to ensure protection for aspects that are not originally covered by the policy.
Many feel that investing in riders can be an expensive affair and hence make peace with whatever the policy originally covers. In reality, by paying a small amount for an add-on you can save a lot in the long run. Here are some popular vehicle insurance riders and how they can help -
Cover for the engine -
Many are unaware, but a basic vehicle insurance plan does not cover your engine from damages. So if your engine is damaged due to any accident or due to an oil leakage, the policy will not cover for the repairs. But with an Engine cover rider you can easily avail insurance for such damages as well. The engine is covered just like the other parts of the car. It also includes cover for CNG Kit and Bi-Fuel System which are endorsed in the Registration Copy (RC) book of the vehicle.
Assistance at any time and any place -
Everyone has faced a situation where your car breaks down midway and you don't know what to do. This is all the more challenging if the car refuses to co-operate in the middle of nowhere. Getting help at such times looks impossible without you walking long kilometres to find some assistance. Such unpleasant situations can be handled easily if you attach an anytime assistance rider to your plan. All you need to do is make a call to the Vehicle Insurance Company and help is provided immediately. Your car is towed, taken to the nearest service station, repaired and returned to you.
Car replacement -
In case your car meets with an accident and is damaged beyond repair then your Vehicle Insurance cannot be of much help. But if you have a car replacement rider in place, you can avail a replacement for your car by an identical or almost identical one. The replaced car will have the same features, size, built, color, etc.
Stop gap arrangement -
In case your car is damaged severely in an accident and would be in no condition to hit road without a month's stay at the service station, travelling everyday could be a problem for you. In such a case, you may tend to rent a car to keep things running in a smooth fashion, but paying for the rent may interfere with your budget. By availing a Stop gap arrangement rider with your Vehicle Insurance, you can get reimbursement for the cost incurred in travelling in that duration.
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