Mumbai ; – India’s motor sector continues to witness steady growth, driven by increasing vehicle ownership. The VAHAN registration data indicates nearly 20% growth in June 2026 compared to the previous year.
As vehicles become more advanced and customer expectations evolve, vehicle owners are increasingly seeking holistic solutions through motor insurance that provide comprehensive protection, flexibility, and convenience. While a standard motor insurance policy provides coverage against key risks, selecting suitable add-on covers can help customers enhance their protection and manage expenses arising from accidents, damages, and unexpected vehicle-related situations.
SBI General Insurance highlights key motor insurance add-ons that vehicle owners can consider for enhanced coverage and greater peace of mind:
• Engine Guard: Protection Against Water-Related Engine Damage
The engine is one of the most critical components of a vehicle, and repairs can involve significant costs. Engine Guard provides additional protection against damages caused due to water entering the engine and gearbox components, helping customers manage expenses arising from such situations.
• Battery Guard: This add-on is essential for Electric Vehicles (EVs). It covers damages to internal parts of the traction battery, Battery Management System (BMS), and the Electric Vehicle Drive System caused by perils like water ingress or short circuits.
• Zero Depreciation Cover: Helping Reduce Repair Costs
Vehicle repairs following accidents or damages can lead to considerable expenses due to depreciation deductions on replaced parts. Zero Depreciation Cover helps customers avoid depreciation deductions on eligible parts during an approved claim, enabling them to receive a higher claim amount and reduce their out-of-pocket repair expenses.
• Consumables Cover: Supporting Complete Repair
Vehicle repairs often involve replacement of consumable items such as engine oil, brake oil, lubricants, nuts, bolts, washers, and other components. Consumables Cover helps cover these expenses when they arise due to damages covered under the policy, supporting customers through a smoother repair experience.
• Roadside Assistance: Support During Unexpected Situations
Vehicle breakdowns and emergencies can impact daily travel and convenience. Roadside Assistance provides support services during such situations, helping customers access timely assistance and continue their journey with greater ease.
Commenting on this Udayan Joshi, Chief Operating Officer, SBI General Insurance, said, “India’s road infrastructure landscape is transforming, with vehicle owners seeking solutions that align with their evolving needs and provide greater confidence on the road. As every customer’s requirements differ, the right combination of motor insurance coverage and add-on covers can play an important role in ensuring a more secure ownership experience. At SBI General Insurance, we understand these changing needs and continue to offer customised motor insurance solutions that help customers strengthen their protection and receive timely support during unexpected situations.”
With evolving needs and increasing focus on comprehensive vehicle protection, having the right motor insurance coverage has become an important part of responsible vehicle ownership. SBI General Insurance’s motor insurance solutions provide financial protection against unforeseen events such as accidents, vehicle damage, theft, and natural calamities. With access to a network of over 8,400 network garages, customers can avail hassle-free repair services while ensuring greater convenience during emergencies.
SBI General Insurance’s motor insurance plans are designed to help customers customise their coverage based on their requirements, with approximately 20 add-on covers including options such as enhanced roadside assistance, engine protection, zero depreciation, Tyre & rim secure etc. and protection against specific vehicle-related risks. The policy also offers third-party damage cover for injury/death of third parties and damage to third-party property, along with Personal Accident Cover for individual owners and passengers. With comprehensive coverage options, timely vehicle maintenance, and responsible driving practices, customers can ensure greater confidence and protection throughout their vehicle ownership journey.
