Car in Garage? This Add-On Pays Your Cab Bills

If your car goes to the workshop after an accident, standard insurance covers repairs — not your daily cab fares. A Daily Conveyance Benefit add-on fixes that by paying ₹500–₹1,500 per day during the repair period.

Here's what happened: A Daily Conveyance Benefit (DCB) is an optional motor insurance add-on that pays a fixed daily cash amount when your insured vehicle is under repair at an authorised garage following an accident.. Standard comprehensive car insurance covers repair costs and third-party damages but does not compensate policyholders for alternative travel expenses like cabs or autos during the repair period.. The DCB rider typically pays ₹500–₹1,500 per day, activates after 24–48 hours in the garage, and is capped at 10–30 days per claim, costing as little as ₹200–₹600 added to your annual premium..

What you should do: Check your existing motor insurance policy document for a 'Daily Conveyance Benefit' or 'Conveyance Allowance' rider under the add-ons section.. Compare DCB terms across insurers at renewal — look at the daily payout amount, the minimum garage-waiting period, and the maximum claim days before choosing.. Add the DCB rider at your next policy renewal if it is missing; most IRDAI-regulated motor insurers allow add-on selection only at the time of purchase or annual renewal, not mid-policy..

Pro tip: Always insist repairs happen at an insurer-empanelled garage — DCB payouts are triggered only when the workshop is on your insurer's approved network list.

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