Premium Motor Insurance: The Smart Buying Checklist
A standard third-party cover only protects others. To truly safeguard your vehicle and your finances, a comprehensive plan with the right add-ons is essential. Use this checklist before renewing your policy.
✓ Essential Add-ons & Features
-
Zero Depreciation (Bumper-to-Bumper)
Ensures you get 100% of the claim amount for parts without deductions for aged components. Vital for cars under 5 years old.
-
Engine Protection Cover
Covers damage to the engine caused by water ingression (hydrostatic lock) or oil leakage—repairs that standard policies exclude.
-
Return to Invoice (RTI)
In case of theft or total loss, RTI pays the full invoice price of the car (including registration and taxes) instead of just the IDV.
-
24/7 Roadside Assistance
Towing, flat tire changes, emergency fuel, and battery jump-starts. Ensure the network covers your frequent travel routes.
Don’t risk claim rejection — Want a quote with the best add-ons?