Even after having a car insurance policy, many times it happens that the insurance company flatly refuses to pay the claim to the customer. In this case, the customers get a big shock as they have to pay the entire cost of getting the vehicle repaired from their own pockets. Keeping in mind that nothing like this should ever happen to you, today we are going to explain to you every small and big problem related to car insurance.

Buying insurance is not enough, some Car Insurance Add on Covers are also offered by the company, which if you do not buy then you may suffer loss, let us understand how?

Why is the claim not received even after having car insurance?

Santosh Sahani, Motor Head, Kataria Insurance said that The insurance company also has Tire Protection Add on which gives you a new tire in case the tire of the car or your bike/scooty gets burst and gets cut. The advantage of add on is that one does not have to spend any money for a new tyre. If you have not taken this add on plan then you will not get a single penny from the company for the tyre.

The second add on plan is NCB Protection. You must have noticed that after taking a car claim, your NCB i.e. No Claim Bonus gets completely exhausted, due to which you have to spend more money for the premium next year. But if you have taken this add on plan, then you can take one claim in a year and your NCB will also not end.

The third add on plan is Loss of Personal Belongings. Many times people leave valuables in the car and then thieves steal the valuables from the car. If you do not have this add on plan then you will not get a single penny from the company. In this add on plan, the company covers only mobiles and laptops, cash and jewelery are not covered. You will also get the money for mobile and laptop only when you have the bill for the same.

The fourth add on plan is Engine Protect. If you also think that the engine is also covered in your car insurance, then it is not so, companies sell separate engine protect plans for the protection of the engine. If you do not take this plan, you will not get the claim money from the company.

The fifth add on plan is Consumable Covers. When the car goes for claim, there are some expenses for which the company does not pay, one of them is consumable cover. This includes things like grease, washer, engine oil, screw, oil filter etc. Note that this add on plan will not be available with cars older than five years.