-
Renew policy in 2 minutes*
-
21+ Insurers to choose
-
1.2Cr+ Vehicles Insured
Renew policy in 2 minutes*
21+ Insurers to choose
1.2Cr+ Vehicles Insured
We have found best plans for you!! Our advisor will get in touch with you soon.
Natural disasters can hit anywhere and anytime, causing huge damage to the belongings like damaging your car, which is your most valued possession. Hence, it becomes important to insure the car with the right car insurance policy. But does your car insurance cover natural disasters. Read ahead to find the answer to this.
Fortunately, it does. A car insurance policy covers any damages caused to your four-wheeler from natural disasters, such as cyclones, floods, earthquakes, storms, etc. Make sure you have comprehensive insurance coverage for your car. This is because third-party car insurance does not cover any vehicle damages from a natural disaster.
For the unversed, a comprehensive car insurance policy is a contract between the car owner and the motor insurance provider where the latter promises to cover the former’s liabilities towards third parties and car damages resulting out of natural disasters, accidents, manmade disasters, fire, and theft.
On the other hand, third-party car insurance is a type of car insurance policy where the insurer only promises to cover the third-party liabilities of the car owner.
All comprehensive insurance policies in India cover car damages due to the occurrence of natural disasters as well as man-made disasters. Moreover, you don’t have to pay any additional amount to obtain coverage for the damages under your car insurance policy.
Let’s understand this with an example- a massive earthquake hits your city, causing extensive destruction to your belongings, including your car. Repairing a damaged car is burning a hole in your own pocket. But if you have a comprehensive car insurance policy, your insurer will compensate for the loss of your car.
However, this is not possible with third-party insurance. Even if you have thebest car insurancebut with third-party cover, you will have to bear the cost of repairing/replacing the damages caused to your car due to natural calamities on your own.
Thus, you need a comprehensive insurance policy if you want your motor insurer to cover the damages suffered by your car due to a natural calamity.
Opting for a comprehensive car insurance policy is an investment and will help you during the tough times. Some of the benefits associated with a comprehensive cover during the natural disasters are mentioned below-
One of the biggest benefits of having car insurance during a natural disaster is to avail cashless claim benefits. If your car gets damaged by a cyclone, you can connect with your motor insurance company and ask for cashless claims. The insurer will arrange for towing your damaged car to the nearest garage and settle the bills.
You can avail the benefits of the No Claim Bonus if you have opted for a comprehensive car insurance policy. In this, you get a discount on your premium renewals, if you do not have to raise any claims in the policy term. Moreover, you also get the provision to transfer your existing NCB with a new policy.
Another benefit of having an online comprehensive car insurance policy is the hassle-free inspection and claim process. Do not panic if your insured car gets damaged in a natural disaster. You can avail the benefits of hassle-free inspection with high-quality services if you have opted for a comprehensive plan.
In case your car has been damaged due to a natural calamity, you can raise a claim under your comprehensive insurance policy. Follow the steps given below to register a claim with your car insurance company:
Some places are prone to certain kinds of natural disasters. For example, Assam and Mumbai are prone to floods. Such places witness these calamities regularly. If you live in a disaster-prone area, your car is constantly at risk of getting damaged. Moreover, car damage caused due to a natural calamity can be significant.
Frequent damages can gradually damage certain parts of your car, which may not be covered under your basic comprehensive insurance policy.
Fortunately, there are different add-on covers that you can buy with your comprehensive car insurance policy. An add-on cover is an additional protection offered by the insurer just by charging a small amount of extra car insurance premium.
These add-on covers enhance your car insurance coverage and offer protection against the damages caused to your car due to a natural calamity.
Some common types of add-on covers you can buy if you live in a natural disaster-prone area are- engine protection cover, NCB protection cover, consumable cover, zero depreciation cover, etc.
All comprehensive car insurance plans offer coverage against natural calamities. Nonetheless, you can enhance the coverage of a 4-wheeler insurance policy by purchasing relevant add-on covers available from the best car insurance companies in India. Do remember to follow the guidelines stated above to ensure that your motor insurer approves your car insurance claim.
Electric Vehicles (EVs) currently hold a niche spot in the Indian
Read moreIf you own a car, it must be covered under a car insurance policy
Read moreManaging car repairs can be stressful, but a clear understanding
Read moreReducing car insurance premiums is simple and straightforward. By
Read moreExtreme heat takes a toll on your four-wheelers, but with a few
Read moreIt doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must
Read moreLosing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your
Read moreSometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access
Read more#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
Insurance
Calculators
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
Policybazaar Insurance Brokers Private Limited CIN: U74999HR2014PTC053454 Registered Office - Plot No.119, Sector - 44, Gurugram - 122001, Haryana Tel no. : 0124-4218302 Email ID: enquiry@policybazaar.com
Policybazaar is registered as a Composite Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2027, License category- Composite Broker
Visitors are hereby informed that their information submitted on the website may be shared with insurers.Product information is authentic and solely based on the information received from the insurers.
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
© Copyright 2008-2025 policybazaar.com. All Rights Reserved.