3 Key Car Insurance Covers To Make Your Car Monsoon Ready

People wait for monsoons to come after going through a boiling summer. It makes the weather cooler and bearable. No matter how cool the weather turns, it brings along some challenges too. Due to the bad drainage system of India, it becomes a challenge for motor vehicle owners to drive on the road after heavy rainfall. So, what can save you from getting stuck in water clogged road during the monsoon? A can insurance policy with suitable add-ons can come in handy.

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Above-mentioned prices are for a 7-year-old Maruti WAGON R AVANCE LXI (998 CC) registered in Gurgaon and 15 days before expiry of previous policy

The cities situated at the band of the sea or rivers become prone to floods during the monsoon season. Insurance companies get claims nearly hundreds of crores during the monsoon due to heavy rainfalls every year.

In India, the car owners must have a third-party liability insurance policy. It has been mandated by the Motor Vehicle Act 1988. And people usually upgrade their insurance plan to a standard insurance plan just for the sake of getting basic coverage at the time of an accident that resulted in damage. These basic insurance covers do not provide protection against any condition arising out of heavy rainfall and their claim gets rejected.

Well, the car insurance policies with standard coverage as well as comprehensive coverage provide cover against accidental damages, damages caused due to manmade disasters, natural calamities, etc. but it would not provide cover for some specific problems like engine damage in a water clogged road, tyre burst, car breakdown, etc. 

So, when you raise a claim when these kinds of problems occur, the claim gets rejected as the existing policy does not protect against these problems. These covers are available as add-ons and you need to purchase them separately to get your car protected from engine damage, car breakdown, etc.

So, here are the 3 key car insurance covers that will make your car monsoon ready.

Cover To Protect Engine

Engine protection is one add-on that does not come along with the standard or comprehensive car insurance plans. In India, whenever there is heavy rainfall, the roads get flooded. The chances of a car with lower ground clearance getting stuck in a water-clogged road are always higher than a car with high ground clearance. 

Even though people underestimate the clogged road and try to drive through their car. That’s when they realize that they made a big mistake. The car stops in the middle of the water-clogged road due to engine failure. The car insurance providers offer engine protection cover as an add-on and situations like these make this add-on a must-have.

Roadside Assistance & Towing 

When your car gets stuck in the middle of the water-clogged road and you cannot even get out of the car, then how would you be able to check the engine? That’s where roadside assistance comes in handy. You can add these riders to your existing insurance plan and when you get stuck in a situation like this.

You can call your insurer and tell them about the situation and they will arrange a mechanic and send it to your location. If he could solve the problem then and there, then it is your lucky day but if he cannot then the car needs to be towed away to the nearby garage and this will also be provided by the insurer only.

Consumable Cover

Any kind of damage in a car can cost you a lot. The cost of consumables like brake repairing, tightening nuts and bolts, changing engine oil can cost very much. This add-on cover provides you cover for some of these in particular that would not be included in your existing car insurance policy

When your car gets towed away and reaches the garage, the insurer makes sure that the servicing of the car is done properly and you do not have to go through any kind of hassle.

Check Tyres Grip: Just An Advice (Not A Cover)

The friction between the tyres and the road makes the tyres lose their grip every day bit by bit. Since everything has a life and once the tyres grips are gone, it increases the chances of car skidding on the road while applying brakes and hit the vehicle riding ahead of you. This is why, you need to keep checking your tyres grip and change them as soon as you think that they got naked.

To Summarize 

Monsoons seem good but they bring along a lot of problems for the car owners. This is why, it is recommended by the insurance industry experts to purchase a comprehensive insurance policy and then add-on riders like roadside assistance, consumable cover, engine protection cover that would come in handy when you get stuck anywhere on the road. Also, it is advised that you purchase the car insurance policy online so that you can understand your policy thoroughly as well as add these riders online sitting at the comfort of your home.

Written By: PolicyBazaar - Updated: 29 July 2021
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