Floods can wreak havoc with a car, damage engines and electrical systems, making car insurance a must-have. Let’s look at how car insurance can aid you during such calamities.
Comprehensive car insurance covers losses or damages caused by natural calamities, such as floods, cyclones and hailstorms.
There are two types of damages caused by flood to your car - engine damage and accessories damage. A car submerged in water can have a partially or completely damaged engine. Full engine replacement in a car could cost you between Rs 1 lakh and Rs 2 lakhs. Similarly, the cost of repairing accessories would also cost quite a lot. Here, insurance company comes to your rescue, as it will cover both engine and upholstery damage.
However, the policy comes with exclusions as well. Insurance companies would only cover unforeseen events. For example, damage caused to the engine while attempting to start a submerged car would not be accepted as a consequence of the flood and therefore would not be covered. Therefore, in such a situation, call your insurer who will take the necessary steps to repair your car.
There are various riders that you can add on to your current policy for extra protection for flood. They do not have any waiting period clause and you can use them when the need arises. Let’s take a look at each one of them:-
Here are some safety tips to keep in mind while driving through a flooded area:-
Keep a hammer or any other heavy instrument ready to break the window glasses in case the door locks of your car gets jammed due to the water.
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