Car Insurance Policy May Not Be Enough During Monsoons

Excess of anything is never good. In the monsoon season, sometimes the cities and places prone to floods have face huge damage and losses. In case someone parked the car outside the home and it started raining heavily then truned into flood would swipe the whole car away and causes enormous damage. Since basic car insurance policy would not provide cover for the damage or loss caused due to floods.

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Monsoon season is one of the most awaited seasons in India. It feels so good when you are driving on the road and it starts raining and you get to feel the cool breeze of air when you roll down your glass window. Well, at times like these you would not want your car to break down in the middle of the road and get stuck there. Now you must be thinking if there is anything that can protect you from any of these situations. Then you are at the right place, let us tell you some of the added coverage options that you can add-on to your existing car insurance policy.

Gearbox & Engine Protection

This is one of the most important covers that can save your car’s engine breakdown. In the monsoon season when the roads are waterlogged and you are driving through, there are chances that the water may enter the engine and damage it that can cause sudden car breakdown on the middle of the road.

This add-on will provide you cover for the replacement and repairing cost of the engine as well as for the damaged gearbox. This add-on will protect you against the expenses incurred on the replacement or repairing of the parts.

Roadside Assistance Service

Well, as mentioned earlier that when you are driving on a waterlogged road and your car’s engine breakdown and you get stuck in the middle of the road. This cover will work as a saviour for you.

Here are the following service this add-on cover can provide you if you get stuck in the middle of the road.

  • A mechanic will be provided to you on the spot to repair the damaged part.
  • If the damage can’t be repaired then towing service is also provided to the policyholder.
  • In case the car does not start due to battery breakdown, a technician will be sent to the policyholder’s place and jumpstart the car.
  • In case there is a situation of a flat tyre or the tyre have gone bald, the insurer will send some assistance to solve the problem.
  • In case you have lost the key or left the key inside the car and locked it then the insurance company will send some assistance to get you out of that situation.
  • In case of a total loss, return to invoice add-on cover pays the original purchase value of the car to the insured.

Zero Depreciation

Zero depreciation cover makes sure that you get compensation for the damage or loss caused in an accident or breakdown on the basis of the insured value while purchasing the insurance. At that point, the depreciated amount of the vehicle is not considered. This is one of those add-ons that insurance experts advise the car owners to add to their existing insurance policy.

Consumable Add-on

This add-on cover provides financial aid for the consumables like oil, bolts, washer, nuts, etc. Since these are the things that can get damaged due to change in the weather. Like bolts, nuts can get rusty in the monsoon season because of water.

Necessity of Add-ons

It is mandatory for a car owner to have a third-party liability insurance policy as per the Motor Vehicle Act, 1988. So people in India usually do not purchase another insurance policy that can provide them coverage for the situations mentioned above to save some money.

But what they do not understand is that damages like engine breakdown and damage caused in road accidents can cost them very much when they are not covered with a better car insurance policy. This is why it is important to cover your car from any of the unforeseen damages that can make you pay a hefty amount out of pocket.


Purchasing a comprehensive insurance policy can provide you an overall coverage but if you look closely then you would find some of the add-ons like roadside assistance, engine & gearbox add-ons missing from the comprehensive insurance policy. This is why insurance experts advise car owners to read the policy thoroughly and check if that policy is providing the cover they want.

Insurance experts also advise buyers to purchase the car insurance policy online as it is cost-effective, you can compare different policies and even renew it on time. You can also calculate premium rates of the policy and see if it fits your budget.

Written By: PolicyBazaar - Updated: 19 August 2021
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