These add-ons aren’t mandatory, but they can make a big difference when the unexpected happens. For a small additional cost, you can customize your policy to suit your lifestyle, driving habits, and level of risk.
Let’s explore the most useful optional car insurance add-ons you should know about and how they can benefit you.
1. Roadside Assistance Coverage
Imagine your car breaking down in the middle of the highway or refusing to start in a parking lot — that’s where roadside assistance comes to the rescue.
This add-on provides 24/7 support for:
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Flat tires or dead batteries
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Emergency fuel delivery
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Towing to the nearest garage
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Lockout assistance
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Minor on-the-spot mechanical repairs
Roadside assistance is one of the most popular and affordable add-ons, offering peace of mind that help is always just a phone call away. It’s especially useful for long-distance travelers or those who drive frequently. Normally leading car insurance companies provide customer support roadside and other emergency supports.
2. No-Claim Bonus (NCB) Protection
Insurance companies reward safe drivers with a No-Claim Bonus, which gives you a discount on your premium for every claim-free year.
However, one accident — even a small one — can reset your NCB to zero. That’s where NCB protection comes in.
With this add-on, you can make a limited number of claims during a policy year without losing your accumulated bonus. Over time, this can save you a significant amount of money on premiums while maintaining your discount benefits.
3. Personal Accident Cover for Passengers
While most car insurance policies include personal accident cover for the driver, they may not automatically protect your passengers.
Adding this rider extends coverage to everyone traveling in your car, compensating for:
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Death or permanent disability caused by an accident
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Medical expenses related to injuries
This add-on is particularly important for families or anyone who regularly drives with passengers.
4. Agency Repair Coverage
When your car is damaged, you can either repair it at an independent workshop or at the manufacturer’s authorized agency.
With agency repair coverage, your insurer will pay for repairs done at the official service center — ensuring that original parts are used and the car is restored to factory standards.
This add-on is especially valuable for new or luxury vehicles, where maintaining manufacturer quality and warranty is essential.
5. Rental Car or Replacement Vehicle Cover
If your car needs major repairs after an accident, you could be left without transportation for days or even weeks.
This add-on provides a temporary replacement car while yours is being repaired. Depending on your policy, you may get access to a rental car for a fixed number of days or until your vehicle is back on the road.
It’s a convenient option that helps you continue your daily routine without disruption.
6. Windscreen and Glass Protection
Cracked windshields and glass damage are common — and often expensive — issues. Standard car insurance may not cover minor glass repairs without a full claim, which could affect your NCB.
With this add-on, you can repair or replace your car’s windshield, windows, or sunroof without affecting your No-Claim Bonus.
It’s a simple and low-cost addition that can save you both money and inconvenience.
7. Engine and Gearbox Protection
Many drivers assume their comprehensive policy covers engine damage — but that’s not always the case. Damage caused by oil leaks, hydrostatic lock (from flooding), or water entry is usually excluded.
An engine protection add-on covers repair or replacement costs for:
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Engine parts
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Gearbox components
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Lubricating oil and water damage
This is especially important in regions like the Middle East, where heavy rains or flooding can cause sudden engine failure.
8. Return to Invoice (RTI) Cover
If your car is declared a total loss (stolen or completely damaged beyond repair), your insurer usually pays the current market value — which may be much lower than what you paid for it.
With a Return to Invoice cover, you get the full invoice value of your car, including:
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Original car price
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Registration fees
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Road tax
This add-on ensures that you don’t lose money due to depreciation. It’s most beneficial for new cars that are less than 3 years old.
9. Off-Road Assistance
For drivers who love weekend adventures or off-road trips, standard roadside assistance may not cover breakdowns on non-paved or remote terrains.
This add-on ensures that towing, fuel delivery, or recovery services are available even in off-road situations — perfect for SUVs and 4x4 owners.
10. Key Replacement Cover
Modern car keys are smart — and expensive to replace. Losing or damaging your key can cost hundreds of riyals.
Key replacement cover reimburses you for the cost of replacing lost, stolen, or damaged car keys, including reprogramming costs for electronic keys.
It’s a small but highly practical add-on that saves you from a common (and costly) inconvenience.
11. Zero Depreciation Cover (Depreciation Waiver)
Over time, your car’s parts lose value due to depreciation, and insurers usually factor this into claim settlements — meaning you might not get the full repair amount.
With a zero depreciation add-on, the insurer covers the full cost of replaced parts without considering depreciation.
This ensures you get the maximum claim value, making it a must-have for new car owners.
12. Natural Calamity and Weather Protection
If you live in an area prone to floods, sandstorms, or severe weather, this add-on offers extended coverage against such damages.
It includes protection from:
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Flash floods and heavy rain
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Sand or dust storms
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Earthquakes and lightning strikes
This coverage ensures your vehicle stays protected even against unpredictable natural forces.
Why Add-Ons Are Worth It
Add-ons may slightly increase your premium, but they also:
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Provide customized protection based on your driving habits and lifestyle.
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Offer greater financial security in unexpected situations.
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Enhance convenience and peace of mind on the road.
Think of them as small upgrades that make a big difference when something goes wrong.
How to Choose the Right Add-Ons
Here are a few tips for picking the best extras for your car insurance:
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Assess your driving patterns: Frequent long drives? Go for roadside assistance and replacement vehicle cover.
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Consider your car’s value: New cars benefit most from zero depreciation and RTI cover.
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Think about your environment: In flood-prone or high-temperature areas, engine and weather protection are essential.
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Check your budget: Don’t over-insure; choose add-ons that offer real value for your needs.
The Bottom Line
Optional car insurance add-ons give you more control over your coverage — turning a basic policy into a personalized protection plan.
From roadside assistance to engine protection, each add-on serves a purpose. While they add a small cost to your premium, they can save you thousands in repair bills and provide unmatched convenience when accidents or breakdowns happen.
When choosing your next policy, take a closer look at the available add-ons. A few smart upgrades today can make all the difference tomorrow.
