When this add-on pays off and its limits.
What it covers
Replaced parts are paid in full without deducting depreciation.
Who benefits most
Owners of newer vehicles, and those in dense traffic with frequent minor damage.
The limits
Usually restricted to a number of claims a year and to vehicles up to a certain age.
Cost vs benefit
Compare the extra premium with the typical parts bill on your car.
Key takeaway. It is usually worth it for the first few years of a new car.
General information only; not personal advice. Rules and limits change, so verify current details. Last updated October 2026.