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Top Unconventional Benefits of Buying Car Insurance

By Juhi Walia
17 August 2022, 11:33 AM

Car insurance is a legal requirement in most countries; it is also mandatory in India. Even though the traffic laws require it, it is done to protect you and others on the road. Taking car insurance ensures you are covered financially against the damage to you and the other person due to an unfortunate event like an accident or theft. But most car insurance buyers don't know there are even more benefits of taking a car insurance policy beyond just the cover. Your ignorance of the same could only make you lose the extended benefits. You can get to know about the policy better online as opposed to going by the words of agents who could trick you into buying a not-so-good insurance plan.

Let's explore the various not-so-known benefits of buying car insurance in India.

Car Insurance Can Help Cover the Cost of Roadside Assistance and Other Car-related Emergencies

Car insurance can help cover the cost of many different types of emergencies that may occur while driving or even when the car is parked. Some of the benefits are offered in the higher-tier car insurance policies. Do your own research on what kinds of services you would require. Most of these services come as an car insurance add-on.

Flat Tyres

It is not uncommon for a vehicle owner to have never had a punctured tyre in their lifetime ownership of a vehicle. Had it been a two-wheeler, it would have been easier to push it till we reach a roadside tyre repair centre. But when it comes to cars, pushing the car is the last thing someone would want to do. Your car insurance may cover the cost of towing or other assistance needed to get back on the road.

Dead Batteries

Batteries are crucial for starting a car; without them, a driver is immobilised. A battery can die if a car has been parked for a long time and has not been driven much. There could also be a possibility of suffering from mechanical trouble related to the batteries. If you have a high-quality car insurance policy, chances are even dead batteries are covered.

Read more - Maintenance Tips to Keep Your Car's Battery Healthy


If you lock yourself out of your car, the repair service centre may have to break in by knocking on the glass or dismantling the entire door. The entire lock assembly may need a replacement. These events related to locks are covered in the car insurance policy.

Running Out of Gas

Some insurance providers are now offering fuel delivery as a part of their service offerings. This is extremely useful in the event of an unexpected need for fuel. Of course, there would be a fair use policy attached to it.

Security from Financial Risks

A car insurance policy protects the policyholder against financial loss that may be incurred due to unforeseen occurrences like an accident. In the case of a collision, one's car insurance policy may provide financial coverage for damage to both the insured person's vehicle and the other party's vehicle. It depends on the type of automobile insurance policy that you decide to purchase.

In the event of an accident, any liabilities that third parties may incur will be covered by a third-party car insurance policy. On the other hand, a comprehensive car insurance policy will cover both the policyholder's liabilities and any liabilities caused by third parties.

Keep You Safe from the Unknown

Because of the unpredictability of life, it's not uncommon for people to find themselves in precarious situations without intending to do so, such as getting into an accident. In the circumstances like these, having car insurance coverage might prove extremely beneficial and provide the vehicle's driver with a sense of security. It can protect you from a financial disaster if it gets into an accident.

Save the Lives of Passengers and the Car Driver

The typical comprehensive car insurance policy does not include protection for the people riding in the covered vehicle. Automobiles used for business, as well as those driven by individuals, are impacted.

In the case of an accident, there is a possibility that some of the passengers would get injured and even lose their lives. An add-on cover is an additional type of coverage you can buy from insurance providers. This cover extends protection to passengers, saving you from any liability costs.


Car insurance is required by law in most nations, including India. Your car insurance policy may cover various unexpected expenses, whether they occur while you are driving or while your vehicle is parked. A car insurance policy protects the policyholder against a financial setback due to unanticipated occurrences, such as an accident. The above list also shows how a car insurance policy has other unexpected benefits. 

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1. How does car insurance help in saving others' lives?

Third-party insurance is mandatory in India. In an accident where an external person is injured, third-party insurance covers the expenses towards the payment for the other person's vehicle as well as hospital charges.

2. How can one protect himself financially in case of an accident using car insurance?

Car insurance companies protect their policyholders by taking on the sudden increase in the financial burden resulting from an accident. This saves the policyholder from dealing with the stress of an unexpected expense.

3. Does car insurance protect the car during a natural calamity?

Yes, it is subject to the terms of the insurance. You may have to read the documents carefully before opting for insurance.

4. Is a hotel stay included in the car insurance benefits?

Yes, depending on the add-ons you have chosen, insurance companies will offer hotel stays in the periphery of the garage.

5. Will my car insurance provide me with an alternate vehicle?

Yes, this could be a part of your roadside assistance cover. In the event of vehicle repair or if the vehicle is being towed away, the insurance company will arrange for an alternate car or provide you with a taxi ride to your place of residence.

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