Definitely, all car insurance add-ons are worth the money you pay. They come at a fraction of the cost they protect you from. The premium of NCB protector will be much less than the cost of losing out on your no claim discount. The cost of Key Replacement is just a few hundred rupees but it could protect you from a loss of thousands, especially for newer digital keys. Similarly, all add-ons will have very low premiums as they protect you from very specific, low-risk events and anything with low risk is cheaper to insure.
Motor insurance add-ons can be purchased when buying the policy or when renewing it. If you feel the urgent need include add-ons mid-way through the policy, you can do so and obtain an endorsement document as proof of the added cover. This is helpful if your coverage needs change mid-way through your policy and you don’t want to wait until the renewal date to get increased protection.
We hope this has cleared any doubts you had surrounding add-ons in car insurance. If you have any further questions, we suggest that you speak to an insurance company today rather than delaying your decisions about add-ons.
Good luck and drive safe!