Choose the Right Insurance Add-ons.
Pay Only for What You Need.
Zero depreciation, engine protection, roadside assistance and more — understand every car and bike insurance add-on before you buy, with free guidance from Aero Insurance experts.
What Are Insurance Add-ons?
Insurance add-ons (also called riders) are optional covers you attach to your standard car or bike insurance policy. A basic comprehensive policy covers a lot — but not everything. Add-ons fill those gaps, so a single claim doesn't leave you paying thousands from your own pocket.
They Extend Your Base Cover
Example: your comprehensive policy pays for accident damage, but deducts depreciation on plastic and metal parts. A Zero Depreciation add-on removes that deduction, so you receive the full repair amount.
They Matter Most at Claim Time
Example: monsoon water enters your engine. Without Engine Protection, that repair — often ₹75,000 to ₹2 lakh — is not covered by a standard policy. With the add-on, the insurer pays.
You Pay Only for What You Pick
Each add-on has a small individual premium. The right combination depends on your vehicle's age, your city, and how you drive — which is exactly what our insurance advisors help you decide, free of charge.
Popular Vehicle Insurance Add-ons
Every major motor insurance add-on available in India — what it covers, who it's for, and where it falls short. Honest details included.
Zero Depreciation Cover
Most PopularAlso called Nil Depreciation or Bumper-to-Bumper cover. Normally, insurers deduct depreciation on replaced parts (up to 50% on plastic parts). This add-on removes those deductions so you get the full claim amount.
- Full payout on parts replaced during accident repairs
- Can save 30–50% of the repair bill on a single claim
- Especially valuable for cars with expensive body parts
Engine Protection Cover
Monsoon EssentialCovers damage to the engine and gearbox from water ingression, hydrostatic lock, oil leakage, and lubricant loss — situations a standard comprehensive policy explicitly excludes.
- Protects the single most expensive component of your vehicle
- Engine repairs commonly run ₹75,000–₹2,00,000+
- Covers gearbox and differential damage too
Roadside Assistance (RSA)
Peace of Mind24×7 help when your vehicle breaks down anywhere — towing, flat tyre change, battery jump-start, fuel delivery, minor on-spot repairs, and even a spare key retrieval service.
- One phone call brings help to your location, day or night
- Very low premium — often just ₹150–₹500 per year
- Using RSA typically does not count as a claim, so your NCB stays safe
Consumables Cover
Bill SaverPays for items the insurer normally excludes from a claim: engine oil, coolant, brake fluid, gearbox oil, nuts, bolts, screws, washers, grease, and AC gas used during accident repairs.
- Consumables can add 5–10% to any repair bill
- Pairs perfectly with Zero Depreciation for a near-complete payout
- Small premium relative to the savings on bigger claims
Return to Invoice (RTI)
New Car MustIf your vehicle is stolen or damaged beyond repair (total loss), a normal policy pays only the depreciated market value (IDV). RTI pays the full original invoice price — including road tax and registration charges.
- Recovers the gap between IDV and what you actually paid
- Covers road tax and registration in most plans
- Difference can be ₹1.5–3 lakh even on a one-year-old car
NCB Protection Cover
Discount KeeperNo Claim Bonus gives you up to 50% off your own-damage premium for claim-free years. One claim normally resets it to zero. NCB Protection lets you make a claim (or two) without losing that discount.
- Protects a discount worth thousands of rupees every year
- Lets you claim small damages without long-term premium cost
- NCB stays intact even when switching insurers at renewal
Key Replacement Cover
Smart-Key SaverCovers the cost of replacing lost, stolen, or damaged car keys and lock sets. Modern smart keys with encrypted fobs can cost ₹15,000–₹40,000 to replace at the dealership.
- Pays for new keys, fobs, and full lock replacement if needed
- Some plans include locksmith and lockout assistance
- Claim usually doesn't affect your NCB
Tyre Protection Cover
Road WarriorCovers repair or replacement of tyres and tubes damaged by potholes, cuts, bursts, or bulges — damage that standard policies cover only if it happens during an accident.
- Premium tyres cost ₹8,000–₹35,000 each to replace
- Covers standalone tyre damage, no accident needed
- Includes labour and refitting charges in most plans
Passenger Cover
Family FirstPersonal accident cover for the people travelling with you. Pays compensation for accidental injury, disability, or death of passengers in your vehicle — protection the mandatory owner-driver PA cover doesn't extend to them.
- Financial protection for family and co-passengers
- Covers medical expenses, disability, and death benefit per seat
- Very affordable — small flat premium per seat
Daily Allowance Cover
Commute CoverPays a fixed daily amount for alternative transport (cab, rental car) while your vehicle is in the garage for accident repairs — so a claim doesn't disrupt your daily routine.
- Fixed cash benefit per day (commonly ₹500–₹2,000)
- Kicks in when repairs take longer than a set number of days
- Extended payout period if the vehicle is stolen or a total loss
Compare Motor Insurance Add-ons
A quick side-by-side view to shortlist the right covers. Still unsure? Our insurance advisors will map these to your exact vehicle and city — free.
| Add-on | What it Covers | Who Needs It | Recommended |
|---|---|---|---|
| Zero Depreciation | Full claim payout without depreciation deductions on replaced parts | Vehicles under 5–7 years, premium models | Highly Recommended |
| Engine Protection | Engine & gearbox damage from water ingression and oil leakage | Flood-prone cities, luxury & low-slung cars | Highly Recommended |
| Roadside Assistance | 24×7 towing, flat tyre, battery, fuel & on-spot repair help | Everyone, especially highway drivers | Highly Recommended |
| Consumables Cover | Oils, coolant, nuts, bolts, AC gas used during claim repairs | Anyone taking Zero Depreciation | Recommended |
| Return to Invoice | Full invoice value (incl. taxes) on theft or total loss | New & financed vehicles (0–3 years) | Highly Recommended |
| NCB Protection | Preserves your No Claim Bonus discount even after a claim | Drivers with 25%+ accumulated NCB | Recommended |
| Key Replacement | Lost, stolen or damaged keys, fobs and lock sets | Cars with smart / keyless entry systems | Situational |
| Tyre Protection | Tyre & tube damage from potholes, cuts and bursts | Low-profile tyres, rough-road commutes | Situational |
| Passenger Cover | Accident compensation for passengers in your vehicle | Families and regular carpoolers | Recommended |
| Daily Allowance | Daily travel allowance while your vehicle is under repair | Single-car households, daily commuters | Situational |
Why Choose Add-ons Through Aero Insurance
We're your trusted insurance partner — not a call centre. Real motor insurance specialists who know which add-ons actually pay off, and which ones you can skip.
Expert Guidance
Our insurance advisors analyse your vehicle's age, model, city, and driving pattern before recommending a single add-on. No guesswork, no upselling.
Multiple Insurers, One Place
We compare add-on pricing and claim terms across leading insurance companies, so you get the best combination of cover and cost — not just one company's menu.
Transparent Advice
We tell you the limitations, waiting periods, and claim caps of every add-on upfront — including when an add-on is not worth buying for your vehicle.
Claim Assistance
When you need to claim, we stand with you — documentation, surveyor coordination, and follow-ups until settlement. You're never alone at claim time.
Quick Support
Message us on WhatsApp and get a real specialist replying fast — for quotes, policy questions, renewals, or emergencies. No IVR mazes.
Best Value
The right add-ons at the right price. We help you avoid paying for overlapping covers and negotiate the most competitive premiums across our insurance partners.
How We Help — Start to Settlement
From your first message to lifetime claim support, here's exactly what working with Aero Insurance looks like.
You Contact Us
Send a WhatsApp message or call. Share your vehicle details and current policy — takes under two minutes.
We Understand Your Requirements
A motor insurance specialist reviews your vehicle's age, usage, city, and budget to understand what protection you actually need.
We Recommend Suitable Add-ons
You get a clear, honest shortlist — which add-ons to take, which to skip, and why. In plain language.
We Compare Insurer Options
We place your requirement across multiple insurance partners and bring you the best premium and claim-settlement terms.
Policy Issued
Your policy with the chosen add-ons is issued quickly and delivered digitally. We double-check every detail before it reaches you.
Lifetime Claim Support
Accident, breakdown, or theft — message us first. We guide the entire claim from intimation to settlement, for as long as you're insured with us.
Frequently Asked Questions
Straight answers to the most common questions about car and bike insurance add-ons in India.
For most vehicles under 5 years old, yes. Without it, insurers deduct up to 50% depreciation on plastic parts and 30%+ on metal parts during a claim. On a single ₹50,000 repair, Zero Depreciation can save ₹15,000–₹25,000 — usually far more than its annual premium.
If you live in a city that floods during monsoon (Mumbai, Chennai, Bengaluru, Delhi NCR, Kolkata) or park in a basement, Engine Protection is strongly advisable. Engine damage from water ingression is excluded from standard policies and repairs routinely cross ₹1 lakh.
For a brand-new car, the strongest combination is Zero Depreciation + Return to Invoice + Engine Protection + Roadside Assistance + Consumables. RTI in particular is only available in the first few years, so it's best taken with the very first policy.
Generally, add-ons are attached at policy purchase or renewal. Mid-term additions are possible with some insurers but often involve paperwork and an inspection. The simplest route is to plan your add-ons before renewal — message us and we'll set up a reminder and a recommendation for your next renewal date.
No. Add-on names, pricing, claim caps, and eligibility rules vary significantly between insurance companies. One insurer may offer Zero Depreciation up to 7 years of vehicle age while another stops at 5. This is exactly why comparing across insurers — which Aero Insurance does for you — matters.
Most add-ons cost a small percentage of your vehicle's IDV. As a rough guide: Zero Depreciation is typically 0.4–0.8% of IDV, Engine Protection 0.1–0.4%, RTI 0.3–0.5%, while Roadside Assistance is often a flat ₹150–₹500. Exact pricing depends on your vehicle and insurer — send us your details on WhatsApp for an exact quote.
Yes. Zero Depreciation, Roadside Assistance, Return to Invoice, Engine Protection, and NCB Protection are all widely available as bike insurance add-ons. For premium motorcycles and scooters, Zero Depreciation and RTI are particularly valuable.
They solve different problems. Zero Depreciation improves your payout on repairable damage by removing depreciation deductions. Return to Invoice applies only when the vehicle is stolen or totally destroyed — it pays the original invoice price instead of the depreciated market value. Many new-car owners take both.
With most insurers, no. RSA services like towing, battery jump-start, or fuel delivery are treated as assistance services, not insurance claims — so your No Claim Bonus remains intact. Always confirm this in the policy wording; we check it for you before you buy.
Most insurers cap Zero Depreciation at one or two claims per policy year; a few offer unlimited claims at a higher premium. Claims beyond the cap are settled with normal depreciation applied. We'll tell you each insurer's exact cap when comparing quotes.
That's when it's most useful. A 50% NCB can be worth several thousand rupees off your premium every single year. One small claim without NCB Protection resets that to zero. The add-on typically costs far less than one year of the discount it protects.
Most add-ons — Zero Depreciation, Engine Protection, RTI, Consumables — require a comprehensive policy because they enhance own-damage cover. A third-party-only policy can usually add just Personal Accident and Passenger covers. If you're on third-party cover, talk to us about whether upgrading makes sense.
For vehicles older than 7–8 years, Return to Invoice is usually unavailable and Zero Depreciation may not be offered or cost-effective. Roadside Assistance, NCB Protection, and Passenger Cover remain worthwhile at any age. Honest advice on what to skip is part of what we do.
A well-chosen set of 3–4 add-ons typically adds 15–30% to the own-damage premium — but a single claim usually recovers several years of that extra cost. The key is choosing only the add-ons relevant to your vehicle and usage, which is where expert guidance saves you money.
Your policy schedule lists all active add-ons, but the wording can be confusing. Send us a copy of your policy on WhatsApp and our insurance experts will review it free of charge — we'll tell you what you have, what's missing, and what's overlapping.
Need Help Choosing the Right Add-ons?
Send us your vehicle details on WhatsApp. A motor insurance specialist will recommend the exact add-ons you need — and the ones you don't. Free, fast, and honest.
Talk to an Insurance ExpertTypically replies within minutes · No spam, no obligation