Navi Car Insurance Add on Covers

The car insurance add-on covers are designed to increase the policy's coverage for maximum protection against adverse situations such damage due to an accident, natural or man-made disasters, theft, etc. Policyholders must pay the extra premium to receive the add-on coverage. Navi General Insurance offers a wide choice of economical add-on coverage options that may be selected at the time of policy acquisition or renewal. However, there is no compulsion for you to buy Navi car insurance add-on covers. Policyholders may purchase them with standalone own-damage or  comprehensive policies. Let’s check how these Navi car insurance add-ons increase your coverage.

Navi– 7 Important Add-on Covers for Your Car Insurance Policy

The following are some of the important Navi four-wheeler insurance add-on covers.

• Zero Depreciation Cover

Navi will reimburse the amount of default depreciation subtracted on the replacement of any damaged item and paint under an own damage claim or comprehensive claim throughout the policy period with this car insurance add-on plan. You will need to pay the deductible (if any) under this zero depreciation car insurance add-on of Navi General Insurance.

• Hospital Cash Cover

Suppose a policyholder, driver, paid driver, or any occupant suffers an accidental injury while traveling in the insured car that further results in an in-patient hospitalization. In that case, the insurance company will cover the expenses per person for each day of hospitalization for a maximum of five days from the date of admission to the hospital, provided that an own damage claim is valid. The insurance company's duty to pay for coverage will be restricted to those who fit inside the covered car's registered seating capacity.

• Daily Conveyance Allowance

The insurance company will be responsible for providing daily coverage to enable policyholders to cover the expense of transportation while their automobile is being repaired for damages caused by an accident or catastrophe. During the policy period, these Navi car insurance add-on covers would be available for a maximum of 15 days. The coverage under this policy will begin a day after your automobile arrives at the garage for repairs, or the date you file a claim with your insurer, whichever comes first, and will terminate the day the garage enables you to pick up your car.

• New Car for Old Car

If your car is totalled, has a constructive total loss (CTL), or is stolen, this Navi four-wheeler Car Insurance Add-On Cover will compensate you for the difference between the insured declared value (IDV) and invoice value of a new car of the same make and model, allowing you to replace your vehicle without going into debt. If the same make or model is no longer available, the insurer will compensate the difference based on the covered car's final available invoice price right before discontinuance.

• NCB Secure 

The Navi four-wheeler insurance add-on cover covers your NCB benefit if you don’t claim car insurance for at least two years from the time of policy inception and only one own damage claim is made throughout the policy period. Further, the claim should not be for theft, complete loss, or constructive total loss (CTL). However, coverage will be on if the policy is renewed with the insurance provider within 90 days of its expiration date, and even if the automobile is stolen, protection will be offered if a replacement car is acquired and insured with the insurer within 90 days of the claim being settled.

• Personal Belonging Protector

This add-on policy will pay you if you or other occupants lose or damage personal things while lying in the automobile due to an accident or disaster. Personal belongings include things like clothes and other personal stuff such as phones and laptops, but not jewellery, money, checks, debit or credit cards, or other comparable items. Only once the complainants have filed an FIR with the police will the coverage be provided up to the sum insured, subject to the limits of each item indicated in the plan.

• Emergency Transportation and Hotel Stay

Suppose the insured car is damaged in an accident and becomes immobile. In that case, this coverage will reimburse the insured person the cost of an overnight stay in a hotel and/or travel expenses for you and the occupants of the car to return to your home or the nearest city where you will be going. After reviewing the proof of spending, reimbursement will be provided for actual expenditures up to the extent of the sum covered.