Neha Nagar Shares Tips for Complete Car Protection

Many car owners believe that having a standard car insurance policy is enough to keep their vehicle safe. However, basic insurance often falls short when it comes to covering the real expenses that can hit your wallet hard like engine damage, tyre repairs, or key replacement. Finance influencer Neha Nagar recently shared a detailed guide on how to truly safeguard your car with the right add-ons.

Why Add-Ons Matter

Standard car insurance typically covers third-party liability and damages to your vehicle in an accident. But it often excludes crucial costs like the replacement of damaged parts, engine damage from floods, or total loss settlements. According to Neha Nagar, add-ons are designed to fill these gaps and protect you from unexpected financial burdens.

Essential Car Insurance Add-Ons

Zero Depreciation Cover

When your car needs repairs, insurers usually deduct price on parts, meaning you pay a portion of the cost. Zero price add-on ensures full refund for replaced parts, reducing cost expenses a lot.

Return to Invoice (RTI)

In case of theft or total loss, standard insurance pays only the car's current market value. RTI add-on covers the entire invoice value, including registration and taxes ideal for new cars.

Engine Protection Cover

This add-on safeguards your engine and gearbox from damage caused by water ingress, oil leaks, or hydrostatic lock, especially important for flood-prone regions.

Roadside Assistance

Breakdowns, flat tyres, or running out of fuel can happen anytime. Roadside assistance provides 24×7 support, including towing, jump-starts, and emergency fuel delivery.

Key Replacement Cover

Replacing modern car keys can be expensive, sometimes ₹8,000–₹25,000. This add-on covers key replacement and lock resets, saving a significant expense.

Tyre Protect Cover

Covers damage to tyres caused by potholes, cuts, or bulges, something standard policies don't include.

Consumables Cover

Covers small but important costs like engine oil, lubricants, nuts, and filters that are usually excluded from standard policies.

Personal Belongings Cover

Protects your valuables, such as laptops, bags, or phones, from theft or accident-related damage inside the car.

Choosing the right add-ons may seem like a small step, but it can prevent major financial headaches in the future. Your car is a valuable asset ensure it is fully protected. As Neha Nagar emphasizes, drive safe and don't just rely on standard insurance; choose for smart coverage that truly covers your investment.

View this post on Instagram

A post shared by Neha Nagar | Filmy Finance (@iamnehanagar)