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Car Insurance Add-ons in Lebanon: A Roadmap for Comprehensive Coverage

Written by Kiprono Lawrence

Hello there! If you’re reading this, you’re probably navigating the options of car insurance add-ons in Lebanon.

Finding the right car insurance plan is like putting together a puzzle; it’s all about finding the pieces that fit your specific needs.

That’s where the car insurance add-ons come in to save the day.

We all know that having car insurance is mandatory in Lebanon (Elzeme), and basic coverage can safeguard you against the bare minimum, such as third-party liability.

First things first….

What are Car Insurance add-ons in Lebanon?

A car insurance add-on is an extra coverage offered by car insurance providers in Lebanon. This is to enhance the basic coverage provided by a standard policy, allowing drivers to customize protection based on their needs.

Car insurance add-ons come at a price but give you the ultimate peace of mind when you are driving on the road.

Car Insurance Add-ons to consider in Lebanon

Zero Depreciation Cover

New cars depreciate rapidly, and standard policies only cover the current market value. A Zero Depreciation add-on ensures that you get the full claim without any deduction for depreciation.

Personal Accident Cover

Living in Lebanon, you’re likely aware of the unpredictable nature of road safety here. A ‘Personal Accident Cover’ for passengers and the driver can be a lifesaver, quite literally.

Roadside Assistance

Roadside Assistance is an additional service or add-on that can be purchased with your car insurance policy. It is designed to assist drivers when their vehicle breaks down on the road.

It typically includes: towing service, battery jumpstart, flat tire change, fuel delivery, lockout assistance, and minor on-spot repairs.

Rental Reimbursement

This add on covers the cost of renting a car while your vehicle is being repaired due to a covered loss.

Engine Protect

Covers damages to the engine, especially useful in regions prone to flooding.

Personal Injury Protection (PIP)

Covers medical expenses and, in some cases, lost wages and other damages regardless of who is at fault in the accident.

Uninsured/Underinsured Motorist Protection

Protects you if you’re in an accident caused by a driver who doesn’t have insurance or whose insurance limits don’t cover all the damages.

Personal Belongings Cover

Compensates for personal items that are stolen from the car or damaged in an accident.

Provides coverage against legal liability arising due to bodily injury to or death of a paid driver, employees, or passengers.

Lock and Key Replacement Cover

Covers the cost of replacing the car’s locks and keys in case they are lost or stolen.

Car insurance add-ons in Lebanon vary from one provider to another.

Always evaluate individual needs and the likelihood of certain when choosing add-ons.

Importance of Car Insurance add-ons in Lebanon

Here are the reasons you may consider getting a car insurance add-on alongside your insurance policy in Lebanon:

  • Tailored Coverage: Every driver and vehicle have unique needs. Add-ons allow policyholders to tailor their insurance coverage to better fit their personal circumstances.
  • Comprehensive Protection: While a basic insurance policy might cover common risks, add-ons provide protection against specific, potentially costly incidents. For instance, while your primary policy might cover collisions, it might not cover damages from natural disasters unless you add that specific coverage.
  • Financial Savings: In the event of a claim, having the right add-ons can lead to significant savings. The upfront cost of adding certain coverages can be minimal compared to the potential out-of-pocket costs after an incident.
  • Peace of Mind: Knowing you’re protected against a wider range of scenarios offers peace of mind. For instance, roadside assistance can be invaluable when stranded, and a replacement car add-on ensures you’re not without transportation after an accident.
  • Flexibility: Add-ons often allow policyholders to adjust their insurance according to changing needs. As situations change, such as buying a new car or moving to an area prone to natural disasters, you can modify your add-ons accordingly.
  • Protects Assets and Future: Car accidents or damages can have ripple effects on personal finances and future plans. Specific add-ons, like coverage against legal liabilities arising from third-party injuries, protect against hefty legal claims that can otherwise jeopardize assets or savings.

How to Choose the Right Car insurance Add-ons in Lebanon

Choosing the right car insurance add-on can significantly enhance your coverage and provide you with peace of mind while on the road.

Here are some essential tips for selecting the best car insurance add-ons for your needs:

  1. Evaluate Your Risks: Consider your driving habits, the environment where you drive, and the likelihood of specific incidents.
  2. Consider Your Vehicle: Expensive or new cars might benefit more from a “Zero Depreciation Cover” add-on. Similarly, if you have a high-end car with expensive parts, consider add-ons that cover those parts’ full replacement costs.
  3. Consider the locality you live in: In areas with high car theft rates, enhanced theft protection add-ons are wise choices.
  4. If you can’t function without a vehicle daily, consider an add-on to cover the costs of a rental car while your vehicle is being repaired.
  5. Understand Policy Exclusions: Know what your basic policy doesn’t cover to determine which add-ons can fill those gaps.
  6. Compare Premium Impacts: While add-ons enhance coverage, they also increase premiums. Assess the price increase against the potential benefits the add-on offers.
  7. Let us advice you: Don’t hesitate to ask for recommendations based on your driving profile.
  8. Review your coverage Periodically: As your car ages, your driving habits change, or your living circumstances shift (like relocating to a different city), the add-ons you need might change.
  9. Avoid Over-insuring: While it’s essential to be adequately covered, avoid piling on add-ons that don’t bring tangible benefits for your specific situation.


When it comes to car insurance in Lebanon, basic coverage may not always be sufficient.

By adding these valuable add-ons to your policy, you can enhance your coverage and protect yourself from unexpected situations.

Whether it’s roadside assistance, personal accident cover, agency repair, off-road coverage, or rental car coverage, each add-on offers unique benefits tailored to your specific needs.

So, take the time to evaluate your requirements and choose the add-ons that provide the best value and peace of mind.


Q: Are car insurance add-ons mandatory in Lebanon?

A: No, car insurance add-ons are not mandatory in Lebanon. They are optional and can be chosen based on individual preferences and needs.

Q: Can I add multiple add-ons to my car insurance policy?

A: Absolutely! You can add multiple add-ons to your car insurance policy in Lebanon. However, it’s important to consider your budget and prioritize the add-ons that align with your requirements.

Q: How do I include add-ons in my car insurance policy?

A: Give us a call or email us your desired add-ons. We will guide you through the available options and help you customize your policy according to your needs.

Read Also:

A Definitive Guide to Insurance in Lebanon: Everything You Need to Know

Buying Car Insurance Online in Lebanon: How to find the best deals

 How to Renew your Car Insurance in Lebanon

Originally published Sep 15, 2023 15:10:27 PM, updated May 21, 2024

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