An add-on (rider) is an optional cover bolted onto a base policy for extra premium. Most quotes arrive pre-loaded with several. Here is what each one does and who it suits. We strip the rest out.

Motor

Zero depreciation

Pays the full cost of replaced parts instead of deducting for age and wear. The difference is largest on plastic and rubber.

Worth it for cars under five years old.

Motor

Engine & gearbox protect

Covers engine damage from water ingress or oil leakage, which the base own-damage section excludes outright.

Worth it if you park or drive where roads flood.

Motor

Roadside assistance

Towing, jump start, flat-tyre help and fuel delivery, without the call being treated as a claim.

Worth it for highway commutes and older vehicles.

Health

Room rent waiver

Removes the cap on room category. Without it, a costlier room can proportionally reduce every other line on the bill.

Worth it on any capped-room plan in a metro.

Health

OPD & wellness cover

Covers doctor consultations, diagnostics and pharmacy bills: day-to-day costs the base hospitalisation plan does not touch.

Worth it if you visit doctors more than once or twice a year.

Travel

Trip & baggage delay

Fixed payouts once a delay crosses the stated hours, plus cancellation cover for non-refundable bookings.

Worth it on connecting or long-haul itineraries.

Add-ons only apply to comprehensive policies, and a rider you never claim is pure cost. Ask us to price your quote both ways before you decide.

Price it with and without

How INS-LAB works

Enter details

Basic information only, no documents at this stage.

Compare quotes

A side-by-side sheet across the panel, exclusions included.

Buy securely

Pay the insurer directly. We never hold your premium.

Policy in your inbox

Issued the same day, with a named advisor for claims.

Why INS-LAB

Advice you can audit

We are a licensed corporate agency, and every comparison sheet we send shows the full insurer panel, not a shortlist. You see the same numbers we do.

Transparent pricing

Premium and add-on cost, itemised, with no bundled extras.

Instant quotes

Live panel pricing, not indicative ranges.

Claims handled for you

One advisor, from intimation to settlement.

Paperless policies

Digitally signed, valid for RTO and hospital use.

Common questions

No. You never pay us directly; we are paid by the insurer you choose, at no extra cost to your premium.

Usually yes, at renewal. Mid-term changes depend on the insurer, so we check before recommending anything.

You call your named advisor, not a call centre. We intimate the claim, coordinate the surveyor or hospital desk, and follow it to settlement.

Not sure which cover you need?

Describe your situation and our assistant will narrow it to two or three options before an advisor calls.

1800 572 2690