When it comes to car insurance, add-ons can sometimes be a bit of a gray area. However, in the case of Universal Sompo Car Insurance, the add-ons can really add value to your policy. Some of the most common add-ons include zero depreciation cover and roadside assistance. The zero depreciation cover ensures that you get the full value of your car in the event of an accident while the roadside assistance can come in handy if you run out of gas or have a flat tire. Of course, the worth of these add-ons depends on your own needs and budget. It's important to consider what your car insurance needs are before adding anything on, but in general,
Though add-ons aren't necessary, many of them are useful under different circumstances since a basic insurance policy does not cover every aspect of a car accident. The add-ons are available against an extra premium but cover those areas that are mostly not covered by the basic plan.
Zero Depreciation Cover is an additional car insurance policy that covers the full cost of repairs in case of an accident. Most car insurance policies cover only a portion of the cost, as they take into account the depreciation of your car's value over time. With zero depreciation cover, you get full coverage without having to pay for any depreciation costs.
Return to Invoice Cover is a type of insurance policy that covers the difference between the amount you paid for a vehicle and the amount your insurance company will pay you if your car is stolen or damaged beyond repair. With this cover, your insurance company will pay you the invoice price of the car, rather than the current market value.
The key replacement cover is an optional feature offered by many auto insurance companies that helps cover the cost of replacing lost, stolen, or damaged keys.
This covers expenses arising to your vehicle from unexpected damages caused to engines or gearboxes like water damage or oil leakages.
A consumables cover is an add-on insurance product that covers the cost of replacing the consumables of your car that wear out over time. These include engine oil, coolants, brake pads, air filters, and other items that require frequent replacement in the course of regular maintenance.
The benefits of Universal Sampo add-on covers are many. Some of them are:
The zero depreciation cover is especially beneficial for newer or high-value vehicles, as the cost of repairs can be quite steep.
The Return to Invoice cover can be particularly helpful if you have recently purchased a new car, as cars often lose value quickly. Additionally, this cover can sometimes be added to existing car insurance policies for a small additional fee.
A key replacement add-on is a great option for those who are always on the go and use their car frequently, as losing or damaging your keys can be a big inconvenience.
Consumables cover is very useful to consumers who use their cars a lot for road travel.
Universal Sompo Car Insurance offers several add-ons to their insurance policy like zero depreciation cover, engine protection cover, and personal accident coverage for passengers. To know more about such topics and others related to car insurance, browse the Park+ car insurance webpage.
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