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2023 USA Car Insurance Policy Accessories Cover

Car Insurance Accessory Coverage

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

Typically, people choose add-ons out of necessity rather than considering the necessary add-on covers that insurance companies offer along with the basic coverage. But when looking for a good auto insurance policy, the accessories coverage is frequently overlooked.

Let’s examine the importance of having your essential car accessories covered.

What does a car insurance accessory cover mean?

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

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

Theft-related accessory loss may be covered for an additional premium equal to 4% of the declared value of the accessories in the proposal form.

What kinds of accessories are there for 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 policy.

Car accessories that are both electrical and non-electrical

There are various combinations of electrical and non-electrical accessories available from various auto brands. You may occasionally have the choice to pay more for extra accessories of your choosing. Luxury vehicles may come equipped with a completely different set of accessories or more advanced versions of standard accessories.

Here is a list of electrical and non-electrical car accessories in India that are typically included and can be insured.

Electrical components

The typical automotive electrical accessories that can be found on an above-average or average Indian four-wheeler are listed below.

  • Fog lamps.
  • A/C system.
  • A system or music player.
  • Monitor.
  • Full entertainment setup
  • Brake lights

Non-electrical accessories

The typical non-electrical accessories that can be found in an average or above-average Indian car are listed below.

  1. Special covers for the seats.
  2. Leather-seat upholstery.
  3. Bi-fuel systems.
  4. Interior fittings.
  5. CNG kits.
  6. Wheels.

CNG Accessories:

If you intend to install a CNG/LPG kit in your car, you must separately insure the kit because your base insurance policy will not cover any damage to the kit sustained in an accident.

What does the auto insurance cover for electrical and non-electrical accessories entail?

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 additional premium. Your auto insurance policy 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 car accessory coverage. Look at it to learn the technical specifications of this add-on. If you have any questions, ask the customer support staff of the insurer (like ACKO) to help you out.

What is covered by an Electrical and Non-Electrical Accessories Cover and what isn’t?

From one insurer to the next, the specific coverage and exclusions might be different. For more information, it is best 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 protected?

  • The policy typically covers damage to the insured accessories brought on by an accident, calamity, 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 accessory was damaged.
  • In most cases, claims filed more than a month after the incident are not covered.

Car accessories insurance is important because it can help cover the least anticipated damages to the vehicle that may result from any type of accident or unforeseen circumstance. Examples of these situations include accidents and mishaps. You can undoubtedly save some of your money and energy by forgoing the hassle of reinvesting in expensive new accessories. Although insuring your car’s accessories may slightly raise your premium, it will give you peace of mind.

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 applicable rate of depreciation are used to calculate its value. Based on the accessory’s age, a predetermined depreciation rate has been established. The depreciation chart included in the Policy Wordings is used to calculate 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 ensure 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 premium, you can get substantial insurance coverage, which can help you avoid financial losses in the event that the covered auto accessory is damaged or stolen while the policy is in effect.

Important Automobile Accessories:

Some necessary auto components for which you can purchase accessories insurance are listed below:

  • Anti-theft Devices
  • Car Camera
  • Battery Charger
  • Tyre Pressure Monitor
  • Vacuum Clearner
  • Fire Extinguisher
  • Mobile stand


Ideally, it makes sense to pay for the pricey car accessories. You could protect those priceless electrical and non-electrical car accessories from loss or damage with the aid of an accessories cover add-on or car parts insurance. Simply provide an accurate estimate of the accessories’ value when purchasing a car insurance policy, then unwind.



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