Short answer, Yes. A car insurance policy cover attacks caused to your car due to an animal attack. All these damages are accidental and unprecedented and your policy will cover them. However, these attacks will only be covered under a comprehensive car insurance policy. Third-party insurance will only cover third-party damages caused by your car and not any damage caused to your car by outside forces.
In India where you will find every type of animal on the road such as cows, bulls, dogs, cats, and monkeys, it is imperative to get full protection against any damages caused by these animals to your car. Thus, make sure to purchase a comprehensive car insurance policy for full coverage.
Friday evening traffic is insane and you’re already getting late to attend a family function. Suddenly, your car gets side-swept by another vehicle swerving to avoid a cow in the road. You slammed the brakes but couldn’t avoid the car behind you causing damage to your vehicle.
You are now left wondering whether your car insurance will compensate for this damage or not! Fret not! Your comprehensive car insurance policy will protect you in case your car collides with an animal or suffers any other type of animal attack.
Fortunately, most of the insurance companies in India cover the damages done by animals and bear the expenses incurred during the repair.
Some common types of animal attacks that can cause damage to your car include:
In simple words, comprehensive car insurance is what covers your car in every possible way when it is parked and any damages that may be inflicted on the car due to man-made, natural elements or collisions caused by an animal. Your car is also protected in the event of theft and vandalism as well.
Also known as ‘other than collision’, this plan covers everything that a third party cover doesn’t offer such as fire, theft, flood, damage to car glass, damage due to falling objects, animal attack, vandalism, damage due to bad weather, storm, cyclone etc.
In case your vehicle is smashed up owing to these perils, after applying the depreciated amount, the insurer disburses for the expenses incurred during repairs or the complete loss up to the actual value of the vehicle.
Claiming damages caused to your four-wheeler due to an animal attack is a simple process. To claim your car insurance, follow the steps mentioned below:
However, one may find the premium of comprehensive car insurance slightly higher than the rest, however, the reason is justified. Third-party liability only provides coverage for third-party damage and liabilities. It doesn’t cover own damage, while comprehensive insurance offers overall coverage including third-party liability coverage.
Hence, by paying slightly a higher premium, you can avail of better services. Below are the advantages of comprehensive car insurance.
You May Also Read: Comprehensive insurance vs Third party insurance
Whether your car insurance covers animal attacks or not, it is important to know the ways that you can adopt to prevent animal attacks on cars.
Your car is more prone to animal attacks when you park it outside or near the road. Parking your car in a garage will protect it from such attacks as animals won't be able to enter a garage.
Closing your car’s windows can keep birds away from your car. Moreover, make sure to close the sunroof while parking as it may be an entry door for animals to damage the interiors.
Leaving food or eating food in the car can also allow animals like monkeys, and rodents to enter your car and cause severe damage. Thus, make sure to not leave food in your car.
Last but not the least, purchase a comprehensive car insurance cover for your four–wheeler. This cover will compensate you for the damages caused to your car due to such attacks.
Whether your car suffers an animal attack or not, you should always consider getting a comprehensive car insurance policy to protect your car from such unforeseen incidents. However, before deciding on a policy, make sure to compare car insurance quotes online on Policybazaar.com and then choose the one that suits your budget.
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