Does Your Car Insurance Policy Cover Flood Damages?

Get Car Insurance starting at only ₹2,094/year #

Every year, especially during the monsoon, many states of India witness heavy rainfall causing flash floods. These floods cause severe damage to cars. As a car owner, you might need to connect with your insurer to check whether your car insurance policy covers the cost of repairing the flood damages. Read on to find out about flood damages and its impact.

Read more

  • Renew policy In 2 minutes*

  • 20+ Insurers to choose

  • 51 Lakh+ Vehicles Insured

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year #
Looking for Car Insurance?
Select your city or RTO
Search city or RTO
Can’t find your RTO? Search for it
Search Make & Model
    Search model for Maruti Suzuki
      Search for variant
        View all variants
          Please fill your details
          Your full name
          Email address
          Mobile number
          View Prices
          Please wait..
          By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
          Select Make
          Select Model
          Fuel Type
          Select variant
          Registration year
          Registration month
          Save & update
          Please wait..

          All About Flood Damage and Its Impact

          Your flood damage cover depends upon the type of car insurance plan you have purchased. If you have comprehensive coverage, which is an optional cover, then only the flood damage is covered in your car insurance policy. However, if you have a third-party car insurance policy, you will not receive any financial protection against the flood damages caused to your insured car.

          A comprehensive car insurance policy covers all kinds of damages to your insured car by natural calamities such as cyclones, tides, floods, tsunamis, etc. Moreover, it covers damages sustained by cars due to fire, accidents, theft, and man-made calamities.

          It is always an ideal choice to go for comprehensive insurance policy if you reside in a flood-prone area. A single hit by the flood can severely damage your vehicle, and thus, it will lead to a reduction in its value. In the worst-case scenario, it can turn into a total loss situation where the damages are beyond repair. If you own a comprehensive car insurance policy, you might save a huge amount during such unforeseen instances.

          Types of Flood Damages to the Car

          Here is a list of damages caused to the car due to the flood-

          1. Engine Damage - The engine is the soul of any machinery. The water oozing into the car's engine during the monsoon season or flood can damage it partially or totally.
          2. Electrical Damage - A single drop of water can cause a short circuit to the electrical components in the car. Sometimes, the warning lights on the dashboard start to malfunction.
          3. Upholstery Damage - In many cases, the interiors of the car, including the car seats, carpet, and other furnishings can be damaged due to the dampness caused by the water ingression.
          4. Gearbox Damage - The water ingression in the gearbox can damage it. This might cause malfunction while performing any task.

          Does Car Insurance Covers Flood Damage?

          Yes, your comprehensive car insurance policy covers the flood damage. Therefore, it is essential to get adequate coverage for your car. Comprehensive car insurance is the best way to get compensated for flood damages or total loss situations.

          Moreover, you have the option to enhance the basic coverage by including add-on covers. Some common types of add-on cover that you can include in your car insurance policy are engine protection add-on cover, consumables cover, zero depreciation cover, etc. You can also visit the official website of Policybazaar Insurance Brokers Private Limited to purchase car insurance online along with suitable add-on covers.

          Best Car Insurance Add-ons for the Flood Damages

          To protect your vehicle from unforeseen damages, especially the flood damages, it is better to invest in a comprehensive car insurance policy. However, to enhance the coverage for certain damages or losses caused due to floods, you must include the right add-on covers with your insurance plan.

          Here is a list of add-on covers that you must consider to strengthen your policy-

          1. Engine Protection Add-on Cover

            Your comprehensive car insurance policy does not compensate for the damages caused to the car engine. If you obtain the engine protection add-on cover, you will get financial coverage for damaged engine parts.

          2. Consumables Cover

            You get compensation to replace consumables items such as gearbox, engine oil, lubricants, nuts & bolts, grease, etc. All these are items are not covered in your basic car insurance policy. Therefore, you are protected against the expenses incurred on consumables during a flood damage.

          3. Roadside Assistance Cover

            In monsoon season, the roadside assistance cover is the essential cover to provide 24X7 emergency roadside assistance, including towing services or fuel assistance, if you are stuck due to the rain or flood.

          4. Zero Depreciation Cover

            With time, the value of your car and its parts depreciate due to regular wear and tear. At the time of claim settlement, your insurer does not pay the entire value of the car. However, if you have this add-on cover, the depreciation is not considered and you will receive the total value.

          Explore add-ons for your car insurance

          Plans starting from @ ₹2,094/year*
          Car Insurance
          Zero Depreciation Car Insurance
          Car Insurance
          Compulsory Personal Accident Cover
          Car Insurance
          Bumper to Bumper Insurance
          Car Insurance
          No Claim Bonus (NCB) in Car Insurance
          Car Insurance
          Bundled Policy
          Car Insurance
          Roadside Assistance Cover
          Car Insurance
          Return To Invoice
          Car Insurance
          Multi-Year Car Insurance
          Car Insurance
          Engine Protection Cover
          Car Insurance
          Personal Possessions Cover
          Car Insurance
          Voluntary Deductible in Car Insurance
          Car Insurance
          Key Replacement Cover
          Car Insurance
          Daily Allowance Cover
          Car Insurance
          Tyre Protector Cover
          Car Insurance
          Rim Damage Cover
          Car Insurance
          Car Accessories Cover

          Safety Measure to Follow While Driving Car in a Submerged Area

          If your car is submerged in water or you are driving through a flooded area, here are some safety tips you can follow-

          • Avoid starting the car by push-starting if your car is submerged in water. You should disconnect the battery and tow the car to a workshop.
          • Drive the car in lower gears and try to maintain your speed in it.
          • Test your brakes before leaving the house and after leaving the flooded area.
          • Avoid attempting to start the car even if the water level receded.

          Final Thoughts

          As a car owner, you must buy car insurance online as it gives multiple options to explore. If you want to cover the damages or losses incurred due to the floods, you should have a comprehensive car insurance policy. Along with it, you can also buy essential additional covers such as engine protection add-on cover and roadside assistance cover.

          Find similar car insurance quotes by body type

          Hatchback Sedan SUV MUV
          Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
           Why buy from policybazaar

          Car insurance articles

          Recent Articles
          Popular Articles
          How to Transfer Car Ownership Online?

          20 Mar 2023

          A car's ownership is usually transferred if the car is sold to a
          Read more
          About Hybrid Cars -Types, Advantages, Hybrid vs Electric Car

          16 Mar 2023

          Due to their diverse benefits such as lower fuel economy and low
          Read more
          Vehicle Scrappage Policy in India: All You Need to Know

          15 Mar 2023

          With an aim to phase out unfit and polluting vehicles, the
          Read more
          Planning To Cancel Car Insurance? – Here’s What To Know

          28 Feb 2023

          Though rare, car insurance cancellations are pretty much evident
          Read more
          Vehicle Fitness Certificate for Cars: A Complete Guide

          15 Feb 2023

          As per the Motor Vehicles Act, 1989, it is mandatory for every
          Read more
          Check Car Insurance Status Online on Parivahan Sewa/ RTO?
          It doesn’t matter if you are an excellent driver or take your car out only once in a few months, your car must be
          Read more
          Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
          Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your
          Read more
          How to Find Car Insurance Details by Registration Number?
          As a car owner, it is mandatory to have a car insurance policy under the Motor Vehicles Act, 1988. Sometimes, you
          Read more
          Multiple Ways To Check Your Car Insurance Status Online
          With everything going digital, checking vehicle insurance status online has become easier than ever. It not only
          Read more
          Transferring Car Insurance from One Person to Another
          An integral part of selling a car, for both the buyer and the seller, is ensuring a successful car insurance
          Read more

          View Plans
          Download the Policybazaar app
          to manage all your insurance needs.