Which Accessories are Covered Or Not Covered Under Car Insurance?

Which Accessories are Covered Or Not Covered Under Car Insurance


Your car is unquestionably a symbol that expresses your personality, need, sense of style, and aura. Nearly all automobile owners enjoy spoiling their beloved asset with various extras. After all, these extras make your car look more attractive. Because these auto accessories are expensive and insurance is required. Get these car accessories insured if you live in a neighborhood where theft is common or where natural catastrophes occur more frequently.

Typically, consumers choose add-ons out of necessity rather than considering the necessary add-on covers that insurance firms offer together with the base coverage. But while looking for a suitable auto insurance policy, the accessories coverage is sometimes overlooked.

Car Accessories Cover:

Although most people are unaware of it, car accessories increase the maintenance and comfort of the passengers as well as the aesthetic appeal of the vehicle. Because of this, your normal auto insurance policy should include the “Loss of Accessories” add-on protection.

You should acquire the accessories cover if you have installed elegant and expensive accessories like a top-of-the-line audio system, reverse camera, LCD TV, car dash cam, headlight/taillight modification, etc. Keep in mind that your standard auto insurance will only cover damages or accidents, not for any accessories you may have installed in your automobile.

Theft-related accessory loss may be covered for an additional premium equal to 4% of the accessory’s value.

Are my Car Accessories Covered under Car Insurance
Are my Car Accessories Covered under Car Insurance

Different types of Accessories in Car Insurance

Accessories can be divided into two categories: electrical and non-electrical. However, not all of the accessories are covered by your comprehensive auto insurance coverage.

Car attachments that are both electrical and non-electrical

  • There are various combinations of electrical and non-electrical accessories available from various auto manufactures.
  • You may occasionally have the ability to pay more for optional accessories of your choosing.
  • Luxury vehicles may come equipped with a completely distinct set of accessories or more advanced versions of standard extras.
  • Here is a list of electrical and non-electrical automotive accessories in India that are typically included and can be insured.
    • Electrical accessories
      • Fog lights
      • Music player/system
      • Monitor
      • Brake light
      • Air conditioner
      • Complete entertainment system
    • Non-electrical accessories
      • The typical non-electrical accessories that can be found in an average or above-average Indian car are listed below.
        • Special covers for the seats
        • Interior fittings
        • Bi-fuel systems
        • Wheels
        • CNG kits
    • CNG Accessories:
      • Because your base insurance coverage does not cover damage to the kit during an accident, if you intend to install a CNG/LPG kit on your automobile, you must insure the kit separately.

Definition of Electrical & Non-electrical accessories cover

  • An addition to a Comprehensive Car Insurance Policy is the Electrical and Non-Electrical Accessories Cover.
  • If it’s still available, you can buy it by paying an extra premium. Your auto insurance coverage will cover the vehicle’s electrical and non-electrical accessories in exchange for this extra payment.
  • For instance, your car’s audio system is an electrical accessory. You can choose the Electrical and Non-electrical Accessories Cover to ensure the music system has the best insurance coverage possible.
  • In this way, if the music system is damaged in an accident or stolen, you will be compensated for your financial loss in accordance with the terms and conditions of the policy.
  • Ideally, the Policy Wordings will include information about both electrical and non-electrical automotive accessory coverage.
  • Look at it to get the technical specifications of this add-on. If you have any questions, ask the customer support staff of the insurer to help you out.

What is covered and not covered under Electrical & Non-electrical accessories insurance?

  • From one insurer to the next, the specific coverage and exclusions could be different. For more information, it is important to read the Policy Wordings and the features of the cover.
  • Here is a general overview of what is and is not covered in a car insurance policy’s Electrical and Non-electrical Accessories Cover.
    • What is covered?
      • The coverage often covers damage to the insured accessories brought on by an accident, tragedy, etc.
      • Accessories that are insured against theft or burglary are also covered.
    • What is not included?
      • The accessory will not be covered if the policy’s requirements are not met. For instance, if the private vehicle was used for nefarious or lucrative purposes and the attachment was damaged.
      • In most cases, claims that are filed more than a month later are not covered.

How are the prices of electrical and non-electrical accessories determined when settling claims?

  • In the event of a claim, the invoice for the damaged accessory and the corresponding rate of depreciation are used to calculate its worth.
  • Based on the accessory’s age, a predetermined depreciation rate has been established. The depreciation chart included in the Policy Wordings is used to compute it.

When purchasing auto insurance, should I choose between electrical and non-electrical coverage?

  • It is advised to select add-ons that are appropriate for your profile to provide comprehensive auto insurance coverage.
  • For improved insurance protection, you can choose the Electrical and Non-electrical Accessories Cover when purchasing or renewing your Comprehensive Car Insurance Policy.
  • Your out-of-pocket costs may go down.
  • Typically, for a small cost, you may acquire substantial insurance coverage, which can help you avoid financial damages in the event that the insured auto accessory is damaged or stolen while the policy is in effect.

List of companies offering Accessories cover and the premium for coverage

Sl. no. Companies Plan CoveragePremium
1TATA AIG1 year 1.62 Lakh4793
2National 1 year1.84 Lakh4267
3Royal Sundaram1 year2.26 Lakh5342
4HDFC ERGO1 year2.40 Lakh5989
5Bajaj Allianz1 year2.96 Lakh6234



It makes sense in theory to pay for the pricey automotive accessories. You might protect those priceless electrical and non-electrical automotive accessories from loss or damage with the aid of an accessories protection add-on or car parts insurance. Simply provide an accurate estimate of the accessories’ value when purchasing a car insurance coverage, then unwind.

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