IDV Guides

Do Accessories and CNG Kits Increase IDV? What’s Included and Excluded

By  Updated  3 min read
Do Accessories and CNG Kits Increase IDV? What's Included and Excluded
In this guide

Key takeaways

  • Factory-fitted features are already inside the ex-showroom price — don’t add them again.
  • Accessories fitted after purchase are covered only if declared; they add to IDV at the same depreciation rate.
  • An externally fitted CNG/LPG kit must be endorsed on your RC and declared to the insurer.
  • Declared extras raise the own-damage premium slightly; undeclared ones can lead to a reduced or rejected claim.

Many owners add things after buying a vehicle — a touchscreen, reverse camera, alloy wheels, a crash guard, or a CNG kit to cut fuel costs. Whether these are covered depends on one thing: did you declare them?

Factory-fitted vs aftermarket

Anything that came with your variant from the manufacturer is part of the ex-showroom price and therefore already in your IDV. That includes a company-fitted CNG kit on a CNG variant. Aftermarket items fitted by the dealer or later are separate and must be declared with their invoice values.

Electrical vs non-electrical accessories

Electrical / electronic Non-electrical
Music system, touchscreen, speakers, amplifier Alloy wheels, seat covers, mats
Reverse camera, parking sensors, dashcam Crash guard, roof rails, bull bar (where legal)
Fog lamps, extra lights Saddle bags, carriers on two-wheelers

Insurers list the two groups separately on the proposal because they are priced separately. Both are depreciated using the same age-wise schedule as the vehicle.

How extras change IDV — example

A car with an ex-showroom price of ₹6,50,000 is 3 years 2 months old (40% depreciation). The owner declared a ₹28,000 infotainment system and ₹22,000 alloys, and fitted a ₹50,000 CNG kit endorsed on the RC.

  • Car: ₹6,50,000 × 60% = ₹3,90,000
  • Accessories: ₹50,000 × 60% = ₹30,000
  • CNG kit: ₹50,000 × 60% = ₹30,000
  • Total IDV: ₹4,50,000

Without the declarations, the IDV would be ₹3,90,000 and the extras would not be covered.

What it costs

Declared extras add to the own-damage premium because the sum insured is higher. Under the old India Motor Tariff, electrical accessories and bi-fuel kits carried a loading of a few percent of their value; today each insurer sets its own rates, so the cost appears as a separate line on your quote. A CNG/LPG kit also carries a small additional third-party premium.

Why declaring a CNG kit matters

An externally fitted CNG or LPG kit must be approved and endorsed on the registration certificate by the RTO. If the kit is not endorsed on the RC or not declared to the insurer, the insurer can treat it as an undisclosed modification. That can reduce or even jeopardise a claim — especially for fire, where the kit is relevant to the cause.

Before your next renewal Check that every aftermarket item you care about is listed on the policy schedule with a value. If it isn’t, tell the insurer and get the policy endorsed.

Theft of accessories

Standard policies cover accessories lost or damaged along with the vehicle, subject to the policy terms. Theft of individual accessories on their own is treated differently by different insurers and policies, so read the wording if you have expensive items such as alloys or audio equipment.

Add your accessories and kit to see the full IDV.

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FAQs

Do I need bills for accessories?

Yes. Keep invoices; insurers usually ask for them when you declare accessories and when you claim.

Is a dealer-fitted accessory pack part of the ex-showroom price?

Usually not. Dealer accessory packs are billed separately, so declare them if you want them covered.

Do accessories get zero-dep benefit?

Depends on the add-on wording. Some zero-dep covers apply to declared accessories, others only to the vehicle’s parts. Check with your insurer.

Sources

  • Insurer IDV determination notes on electrical/non-electrical accessories and bi-fuel (CNG/LPG) kits.
  • Standard private car policy wordings and proposal forms.

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