Car accessories are no longer just optional add-ons; they play an essential role in enhancing your driving experience, safety, and convenience. From simple gadgets like phone mounts to security-focused items like dash cams, the right car accessories can make every drive smoother and safer. Let’s dive into the most useful accessories and how they can benefit you.

Importance of Car Accessories

Purchasing high-quality accessories not only improves your car but may also decrease the cost of your motor insurance, particularly if they increase vehicle security.

These essential car accessories can improve your daily commute, boost security, and provide greater control over your vehicle’s upkeep.

1. Car Phone Mount

A car phone mount allows hands-free navigation and easy access to your phone’s features, such as GPS and music, without distracting you from the road. Safer driving habits, enabled by accessories like this, can support a positive driving record that is favourable for car insurance terms, making this tool an easy investment for peace of mind.

2. Portable Car Vacuum Cleaner

Keeping your car interior clean is a breeze with a portable car vacuum cleaner. A clean car can help maintain the resale value, which can impact your comprehensive car insurance if it takes resale value into account. Clean interiors not only look appealing but can also contribute to fewer allergens and a healthier environment in your car.

3. Tyre Inflator and Pressure Gauge

A tyre inflator and pressure gauge keep your tyres in optimal condition, reducing the risk of accidents due to underinflation. Well-maintained tyres contribute to road safety and can even reduce fuel consumption, which indirectly impacts the costs associated with motor insurance and vehicle maintenance.

4. Dash Cam

A dash cam records your journeys, providing valuable footage in the event of an accident or dispute. This footage is useful for proving fault in incidents, which can simplify car insurance claims, especially in the case of third party car insurance. Many insurers acknowledge the value of dash cams, which can make it easier to resolve claims in your favour.

5. Car Interior Accessories and Back Protectors

Investing in car interior accessories like back protectors and quality seat covers maintains your vehicle’s upholstery, which is especially beneficial when renewing car insurance online for a well-maintained vehicle. By preserving the interior, you also support the car’s value for future resale, potentially improving your comprehensive car insurance terms.

6. First-Aid Kit

Every car should have a first-aid kit for handling minor injuries or emergencies on the road. Some regions even mandate this as a standard safety measure. While it may not directly affect your car insurance premiums, having a first-aid kit shows a commitment to road safety, which is valuable to insurers.

7. Bluetooth Car Kit

A Bluetooth car kit allows hands-free calling and streaming, enabling safer communication without taking your hands off the wheel. Safe driving practices reduce accident risks and can positively impact your car insurance rates by lowering the likelihood of incidents.

8. Emergency Roadside Kit

An emergency roadside kit includes essentials like jumper cables, reflective triangles, and a flashlight. In case of breakdowns, this kit ensures you’re prepared while awaiting roadside assistance. Even though this kit may not directly impact car insurance online, its presence showcases your readiness to insurers.

9. GPS Tracker

A GPS tracker helps you monitor your vehicle’s location, providing peace of mind against theft. Insurers often consider vehicles with GPS trackers safer, which can lead to favourable rates for comprehensive car insurance as the likelihood of theft recovery is higher.

Also Read: How to Select Car Insurance Policy in India?

How Accessories Influence Car Insurance Options?

Some car accessories can positively impact your car insurance rates, especially those that enhance security or provide safety features. Here’s how a few of these accessories align with popular car insurance considerations:

• Dash cams and GPS trackers: These accessories offer security and tracking benefits, potentially reducing premiums under comprehensive car insurance plans due to the added theft protection and evidence for accident claims.

• Phone mounts and Bluetooth kits: By promoting hands-free, distraction-free driving, these accessories can reduce the risk of accidents and positively influence your motor insurance rates.

• Interior maintenance tools like seat covers and vacuums can preserve vehicle value, making it easier to retain favourable rates during car insurance online renewal.

Conclusion

Adding important car accessories not only makes driving more enjoyable but can also lower your insurance costs. Dashboard cameras and GPS trackers make your car safer, and vacuums and seat covers keep it in good shape. It's smart to get a comprehensive car insurance plan that covers these additions. Consider SBI General Insurance, which offers coverage for third-party liabilities and additional accessories, ensuring that your investments in safety and convenience are well protected.

Frequently Asked Questions

1. Do accessories influence my car insurance rate?

Yes, safety and security-enhancing accessories, like dash cams or GPS trackers, may positively impact your car insurance rate by reducing risks associated with your vehicle.

2. Will adding accessories impact the resale value of the car?

Yes, quality accessories that maintain the vehicle’s condition, such as seat covers or vacuums, often contribute to a higher resale value.

3. Are aftermarket accessories as good as those offered by the manufacturer?

While original manufacturer accessories are specifically tailored, aftermarket options can provide high quality if chosen carefully. Be sure to select compatible, durable items.

4. Are there any compulsory accessories that need to be purchased?

Some countries require certain safety accessories, such as first-aid kits and emergency roadside kits, as part of standard vehicle regulations.

5. Are car accessories covered under a Third-party Liability car insurance policy?

No, third-party car insurance only covers damages to third parties and excludes accessories. To protect accessories, consider comprehensive car insurance with a trusted provider like SBI General Insurance.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.