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All You Need to Know about Car Accessories in Insurance

As a proud car owner, you’d want to add a personal touch to it to make it your own. A car can reflect your personality, and this is through the accessories you choose to fit it with. From the classy leather seat covers to the state-of-the-art music system your car is equipped with, you have a way of expressing yourself through the accessories in your car.

These accessories are usually extra equipment that is not factory fitted in your vehicle and can be categorized as electrical and non-electrical accessories.

Electrical Accessories

The electrical accessories in your car include

- Air conditioners

- High-end music system

- Reverse camera

- Brake or fog lights and so on


Non-Electrical Accessories

Your non-electrical accessories would include your personalised interiors, such as

- Seat covers

- Spoiler

- Alloy wheels

- Interior fittings etc.

Electrical or non-electrical, these accessories are valuable and are therefore more at risk. If you reside in an area that is prone to theft or vulnerable to natural disasters, you should take an add-on cover to insure these valuable accessories. Even if you have a Comprehensive car insurance policy, these electrical or non-electrical accessories would not be covered.

Enquire about the accessories covers offered by your insurance provider, and ensure that these valuable items in your car are protected.

Other accessories for your vehicle

Sometimes, your car accessories don’t have to be that expensive. They can be really useful, while also enhancing your car.

If you’re looking to add a few more functional accessories to your vehicle to spruce it up, here are a few that would do the job, and come in handy when you’re in a fix.

Car charger - In an age where everything is on our devices, such as your laptop, mobile, tablet, etc. it’s hard to travel without one. Since these devices are powered by a battery, they will need to be recharged - which can be a little difficult when you’re on the road. It is a good idea to buy a car charger, so that your devices can recharge while you’re on the road, powered by your own car.

Phone mount - As we said before, we rely on our phones and other devices so much, it’s hard to manoeuvre without them. This is especially true with directions. Gone are the days when you’d have to take a look at paper maps and memorise directions. Now, you can just open Google Maps on your phone, and it will tell you the way. This would be made easier with a phone mount which makes viewing these directions much easier.

Anti-theft devices - In addition to your car insurance, protect your vehicle further by installing anti-theft devices to ensure its safety. This would also give you a discount on your car insurance premium.

At the end of the day, accessories add that personal touch to your vehicle and cater to your needs. It’s what makes a car feel like it’s truly yours. But since some of these accessories can be expensive, it’s best to insure them, in addition to your comprehensive car insurance. To know more about how to insure them, and the best policy for you, get in touch with us.

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