Monsoons can be a nightmare for any car owner, primarily if they reside in an area that frequently experiences torrential rain, flooding, and waterlogging. During the monsoon season, most of our cities are vulnerable to flooding, and recent floods in Mumbai, Chennai, Hyderabad, and Bangalore are still fresh in our memories.
Five insurance coverage additions may shield your car from the monsoons when you buy car insurance online.
- Engine Protector Add-On
If your car is forced to drive on a flooded road during the monsoon and water damages the engine, you could incur thousands of dollars in repair costs.
This add-on covers harm to a car’s engine or gearbox during monsoon because of waterlogging or hydrostatic lock (which happens when a car is driven after the engine has filled with water). The price is sometimes pricey for engine parts that must be repaired or replaced. This feature is highly advised for areas vulnerable to flooding and waterlogging. Claims are subject to terms and conditions set forth under the motor insurance policy. *
- Zero-Depreciation Add-On
The monsoon season presents its fair share of difficulties, including a high risk of collisions and accidents due to slick roads and poor visibility. With zero-depreciation coverage, the insurance provider may pay the full cost of repairing or replacing damaged car parts. But there may be 50% coverage for tyre tubes. Claims are subject to terms and conditions set forth under the motor insurance policy.*
- 24/7 Spot Assistance Add-On
Unpredictable weather during the monsoon season frequently causes car trouble, dead batteries, and flat tyres. It is advantageous to consider including roadside assistance coverage to prevent being stranded without assistance for protracted periods. Add-one can be easily bought when you buy car insurance online. Claims are subject to terms and conditions set forth under the motor insurance policy. *
This extra insurance may offer services like towing, emergency repairs, and finding alternate transportation. This cover may offer services like on-the-spot repairs, towing, and arranging for alternative transportation to save the vehicle owner from the inconvenience and heavy financial expenses while stuck on the road during heavy rainfall. *
- Consumables Expenses Add-On
A typical comprehensive plan excludes costs for brakes, engine oil, nuts and bolts, etc. However, if damage from flood waters occurs, they might raise the cost of repairs. This add-on is recommended for all geographies as it covers the cost of consumables like engine oil, nuts, bolts, and other similar items that must be replaced during repairs and excluded from wear and tear items. *
For example, any engine or gearbox damage due to impact or water-related repairs would require oil replacement, which may be paid for under this add-on cover. Claims are subject to terms and conditions set forth under the motor insurance policy. *
- Daily Increase In Allowance
This add-on feature offers compensation to cover the costs of renting a substitute vehicle for a specified number of days, up to a predetermined daily limit, in cases where the car is wholly immobilised or undergoing repairs.
Typically, during the car insurance renewal, insurance companies let policyholders review and alter the coverage of their policies. Add-ons are not available for third-party car insurance. Add-ons may alter the price of your insurance policy, you can use a car insurance calculator to assess the amount of the policy premiums. Claims are subject to terms and conditions set forth under the motor insurance policy.*
*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.