In the event of the insured vehicle being damaged in an accident rendering it unusable, the cost of hotel accommodation at nearest city and return to home including taxi fare will be allowed under this extension provided there is a valid claim under the policy for this accident. The sum insured for this add-on to be decided in advance varying between Rs. 10,000 to Rs. 50,000 and per occurrence limit will not exceed 50% of sum insured. Variations of this cover are offered by various insurers and differences are on the basis of sum insured, time limitations, distance limitations, excluding perils like riot and strike, flood, earthquake.