Comprehensive new car insurance may not provide sufficient coverage against monsoon-related damage. With specific add-on covers, the insurer may cover repairing a waterlogged car engine or replacing damaged parts. Opting for add-on covers or riders is essential for full protection.
Why Damages Are More Common During The Monsoon?
Heavy rains during the monsoon can lead to water damage to car engines, a common and costly car insurance claim. Additionally, vehicles parked on roads are at risk of exterior damage from fallen trees or utility poles during heavy downpours.
Heavy rains can damage its interior and electrical systems even if a car isn’t submerged. Water seepage can harm the dashboard, wiring, and upholstery, leading to costly repairs. Moreover, reduced road visibility during heavy rains increases the risk of accidents, with experts noting elevated skidding and hydroplaning chances due to slippery roads.
How Additional Car Insurance Plugs The Coverage Gap
1. Why Is Adding an Engine Protector Cover Important?
An engine protector add-on is essential to safeguard your car engine from liquid damage. Repeated attempts to start a submerged car can result in costly engine malfunctions. Standard new car insurance policies don’t cover this consequential damage, making the engine protector crucial. It covers hydrostatic lock incidents, preventing water from entering the vehicle’s air valve and blocking the engine. Claims are subject to terms and conditions set forth under the motor insurance policy. *
2. In An Emergency, 24/7 Spot Assistance Comes To Your Aid
Monsoon season is the most typical time for vehicle breakdowns. A 24/7 Spot Assistance add-on cover may be helpful if you become stuck in a waterlogged area and cannot move your car. Claims are subject to terms and conditions set forth under the motor insurance policy. *
3. Zero-Depreciation Cover Guarantees Comprehensive Coverage For Replacement Parts
If you have a Zero-depreciation cover, you may be compensated for the full cost of the damage, not just the components’ depreciated value. With this add-on, the policyholder can recover the maximum amount without considering depreciation, as the motor insurance company covers the total cost of the replacement parts. Claims are subject to terms and conditions set forth under the motor insurance policy. *
4. Consumable Expenses Add-On Ensures No Payment Even For Consumables
The cost of consumables like engine oil, coolant, and brake oil that are needed during repairs due to damage brought on by floods, water logging, or mishaps during the monsoon season may be covered by this add-on. Claims are subject to terms and conditions set forth under the motor insurance policy. *
Who Ought To Purchase These Monsoon Season Car Insurance Add-On Covers?
Vehicle owners must thoughtfully assess their requirements and local conditions before choosing add-ons. Residing in flood-prone regions like Mumbai, Goa, or Bangalore during the monsoon makes Engine Protector and Consumable Expenses Cover add-ons valuable for engine and consumable item damage coverage. Claims are subject to terms and conditions set forth under the motor insurance policy. *
Coastal areas prone to heavy rainfall and high humidity risk flooding and saltwater corrosion. In regions with poor drainage, water accumulation increases accident risks due to slippery roads, making Zero Depreciation Cover valuable for higher payouts on car parts without considering depreciation. Claims are subject to terms and conditions set forth under the motor insurance policy. *
For residents in remote areas with limited immediate assistance, 24/7 spot assistance coverage is essential, ensuring prompt help during breakdowns or accidents, even in adverse weather conditions. The car insurance renewal process is straightforward, and one can maintain their coverage without any hassle. *
Standard T&C Apply
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