New Car Insurance Add-ons: कौन से जरूरी कौन से बेकार? Expert's Advice

नई कार लेते वक्त insurance Addons में आधी चीज़ें आपके किसी काम की नहीं होतीं। Every time you walk into a car showroom to buy a new car, the finance or insurance desk pushes a long list of add-ons onto your policy — whether you need them or not. Most buyers just say yes because they don't understand what each add-on actually does. This video changes that. 📲 Book Consultation Call - https://bit.ly/3FJium2 🔔 Join the Impact Buddy family - https://bit.ly/4l7cvra Join 🟢💬 WhatsApp & Stay ahead ! 📢✨ https://bit.ly/4hrGGGL In this video, I have explained every single car insurance add-on in simple Hindi — what it covers, when it actually helps you, and when it is just dead weight on your premium. This is the honest guide that no insurance agent or car dealer will ever give you. What is Zero Depreciation Car Insurance and do you really need it? Zero Depreciation, also called Nil Depreciation or Bumper to Bumper insurance, ensures that during a claim, the insurer pays the full cost of parts without applying depreciation deductions. For new cars under 3 years, this is genuinely worth it. For older cars, the premium may not justify the benefit. What is RTI — Return to Invoice Cover? RTI or Return to Invoice cover protects you in case your car is stolen or declared a total loss. Instead of getting the Insured Declared Value, you get the original invoice price back. If your car is new and financed, this add-on can save you lakhs. But for a 5-year-old car? Completely unnecessary. CHAPTERS 00:00 What's wrong with these Add-ons? 01:45 Should You Buy- Zero Dep, Engine Protect Addon? 06:36 Should You Buy- RTI, Tyre Protector Addon? 13:39 How to cover Passengers and others? 18:46 My Message to you! What is Consumables Cover in car insurance? This covers nuts, bolts, engine oil, coolant, brake fluid, and other consumable parts that are normally excluded from standard claims. A surprisingly useful add-on that most people ignore — yet showrooms often skip recommending it because the commission is lower. What is Engine Protection Cover? Engine Protection Cover pays for damage caused by water ingression or oil leakage — common in monsoons. But here's what dealers won't tell you: new cars are already covered under manufacturer warranty for most engine-related issues. So pushing this on a brand new car is often pure upselling. What is Roadside Assistance and is it worth it? RSA covers towing, flat tyre help, emergency fuel, and on-road breakdown support. Useful for frequent travellers and long-distance drivers. But if you drive mostly within city limits, your brand already offers roadside support for free in the first few years. The real money game showrooms play. Car showrooms earn commissions from insurance add-ons. The more add-ons they bundle, the higher their payout. This is why the finance executive often presents the policy as a "package deal" — so you never see what you are actually paying for. After watching this video, you will never be fooled again. Who must watch this video? If you are buying a new car — whether a Maruti, Hyundai, Tata, Mahindra, Honda, Kia, or any other brand — this video is for you. First-time car buyers, people upgrading their car, and even those renewing their existing car insurance policy will find this genuinely useful. Watch till the end. There is a quick decision framework I share to help you pick only the add-ons that match your car age, usage, and budget. Save ₹10,000 or more on your next car insurance renewal. 🔔 Subscribe for more honest personal finance and car buying advice in Hindi. #CarInsurance #ZeroDepreciation #CarInsuranceAddons #RTICover #ConsumablesCover #EngineProtectionCover #NewCarInsurance #CarInsuranceTips #BumperToBumper #NilDepreciation #CarInsuranceHindi #AutoInsuranceIndia #CarBuyingTips #InsuranceAddons #SaveMoneyOnInsurance