Does Your Car Insurance Policy Cover Flood Damages?

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.

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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.

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.

Written By: PolicyBazaar - Updated: 04 August 2022
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