Top 5 Must-Have Add-ons While Buying Car Insurance in 2025

Because just “basic insurance” doesn’t cut it anymore

Let’s be honest — when most of us buy car insurance, we either go with what the dealer gives or whatever is cheapest online. But that basic insurance often misses out on the one thing that actually helps during a real emergency: the right add-ons.

Think of add-ons like small upgrades. They don’t cost much, but when something goes wrong, they can save you time, stress, and a whole lot of money.

Here are five car insurance add-ons you should definitely consider in 2025:

1. Zero Depreciation Cover (Also called bumper-to-bumper)

Normally, when you raise a claim, the insurance company deducts the depreciation value of the parts replaced — especially plastic and rubber parts. That means you still end up paying a good chunk from your pocket.

But with Zero Depreciation Cover (external link), you don’t need to worry about that. You get the full claim amount without any deductions for depreciation.

This is especially useful if your car is new or expensive. It may slightly increase your premium, but the peace of mind it offers is worth it.

Explore this on MyInsuranceDost Add-ons (inbound link).

2. Engine Protection Cover

Most people don’t realize this — but regular insurance usually doesn’t cover engine damage due to waterlogging or oil leakage.

And let’s face it: in cities like Mumbai, Delhi, and Chennai, even one heavy rain can flood the roads. One small mistake, like starting your car in water, and your engine can take a hit.

This add-on ensures your engine and gearbox are covered. If your car is less than 5 years old or you live in a flood-prone area, this is one add-on you shouldn’t skip.

Want to know how much this will cost? Get a quote in 30 seconds.

3. Roadside Assistance (RSA)

What happens if your car breaks down in the middle of nowhere? Or the battery dies at night? Or you lock your keys inside?

That’s where Roadside Assistance (external link) comes in. You get access to services like towing, tyre change, fuel delivery, jump-start, and more — anytime, anywhere.

If you travel often, or just want the comfort of knowing help is one call away, this add-on is a no-brainer.

Compare this feature across insurers on our car insurance comparison page.

4. Return to Invoice Cover (RTI)

Here’s something not many people know: if your car is stolen or completely damaged in an accident, insurance usually pays you only the current market value — which is often much less than what you actually paid.

Return to Invoice (external link) cover makes sure you get the full invoice value, including road tax and registration charges. So in case of a total loss, you’re not left feeling short-changed.

If your car is under 3 years old, this add-on is especially important.

Need help applying for it? Talk to an expert on MyInsuranceDost.

5. Consumables Cover

When your car goes for repairs, there are small costs that pile up — things like engine oil, brake fluid, screws, nuts, washers, and AC gas. These are called consumables and aren’t covered under standard insurance.

Consumables Cover takes care of all of that. It’s a small upgrade to your policy, but during a claim, it can save you a surprising amount.

You can include this add-on easily during MyInsuranceDost checkout.

One more thing…

Don’t forget to check if you have Personal Accident Cover (as mandated by IRDAI). You can also extend it to passengers at minimal cost. It’s something we often overlook until it’s too late.

Final Words

Insurance isn’t just about ticking a box. It’s about making sure you’re really covered when something goes wrong. And these five add-ons are not luxury — they’re smart decisions.

When you’re buying your next policy, whether through your agent or online on platforms like MyInsuranceDost.com, take a few extra minutes to understand the add-ons. Because basic insurance may save you a little now, but smart add-ons can save you a lot later.