Insights

Vehicle add-ons cheat sheet (what’s useful vs waste)

Add-ons are not ‘good or bad’ — they’re useful only when they match usage. This cheat sheet helps car owners, bike riders and small commercial operators choose realistically.

Add-ons that often help (usage-based)

Zero Dep: useful for newer vehicles or frequent city usage
RSA: useful if you travel often or drive outside city limits
Engine Protect: useful in flood/Water-logging risk zones (monsoon reality)
Consumables: useful when small repair bills are frequent

Add-ons that need clear understanding

Return to Invoice (RTI): mainly for new vehicles; check conditions
NCB Protect: useful only if you’re likely to claim for a minor event

Common mistakes buyers make

Choosing add-ons without reading limits/exclusions
Assuming add-ons apply forever regardless of vehicle age
Not matching add-ons to actual driving/parking conditions

Local service signals

Chennai vehicle add-ons guidance • Car bike insurance add-on selection Chennai

FAQs

Should I take all add-ons to be safe?

Not needed. Add-ons should match usage and risk. We recommend only what adds real value to your situation.

M N Rajendrakumar Insurance Services

Claim-first insurance guidance for Chennai outskirts businesses — Sholavaram, Red Hills Toll belt, Madhavaram & nearby highway/industrial zones.