Five things to know about motor insurance riders

1. Engine protection cover takes care of the engine seizing or hydrostatic lock due to car starting in a waterlogged area.

2. Roadside assistance and towing rider provides 24x7 varied kinds of assistance including fuel refi lling, lost key recovery, fl at tyre change, battery jumpstart and also the cost of towing the car to the nearest repair workshop.

3. Personal accident cover of a paid driver covers permanent disability and death of the driver, in case of road accidents.

4. Vehicle replacement cover ensures that in case of total loss or theft of car, you will get the original invoice value, including registration charges and the road tax.

5. Rental reimbursement covers the rental cost of a substitute car while your car is sent for repairs.

(Content on this page is courtesy Centre for Investment Education and Learning (CIEL). Contributions by Girija Gadre, Arti Bhargava and Labdhi Mehta.)