How does auto insurance for accessories work?

Looking for more information about insurance? See this article to learn how auto insurance for accessories works, what it covers and when to use it.

Anyone who owns a vehicle understands how some accessories can make all the difference in the driver's daily comfort. What some of these people don't know is that it is possible to include these accessories in the auto insurance coverage.

Although the comprehensive coverage offered by insurance companies does not include protection for accessories, most insurance companies have additional coverage to protect these items.

And it is about how auto insurance for accessories works that we will talk about in this article.

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What is coverage and how does auto insurance for accessories work?

This type of protection is called additional coverage and covers all equipment installed in the vehicle after its purchase, i.e., items that are not factory-installed and, therefore, are not included in the comprehensive auto insurance coverage.

Audio and image equipment such as sound and DVD systems, adaptation equipment for drivers with disabilities, natural gas kits, armoring and much more are covered by this coverage.

In order for all accessories present in the vehicle to be protected, in addition to purchasing this coverage, all of them must be listed, with their respective values, in the insurance policy.

Therefore, if a total or partial loss occurs and this equipment is also damaged, you may be reimbursed for the purchase price.

It is worth mentioning that factory accessories do not require this type of additional coverage, that is, if your vehicle left the factory with PCD adaptation equipment or a modern sound and image system, there is nothing to worry about, these items will be automatically covered by comprehensive auto insurance.

Can I purchase auto insurance for accessories for my Gas Kit?

Yes, as mentioned above, this coverage also serves to protect your vehicle's natural gas kit, also called a CNG Kit. However, for your protection to be accepted by the insurer, certain criteria must be met.

The first is that the kit must comply with the safety standards stipulated for this type of equipment. In addition, the insured must present the CHC – Conversion Approval Certificate, provided by INMETRO, as well as all annual inspection certificates.

Another important factor is that the documentation is up to date, after all, when you change the fuel supply of a vehicle, you also need to change this information in the car's document, the CRV – Vehicle Registration Certificate.

Will the premium be more expensive if I take out auto insurance for accessories?

Unfortunately, yes, after all, it is an extra coverage, that is, an additional amount will be added to the final price of your premium. Obviously, this additional amount will depend on the quantity and types of accessories that will be included in the policy.

Furthermore, the driver's profile will also influence the price of this coverage, since some drivers tend to take more risks or live in areas with a higher risk of car or auto parts theft or robbery.

Now that you know how auto insurance for accessories works, it will be much simpler to purchase quality coverage to protect the items installed in your vehicle that bring you so much comfort in your daily life.