Your RTO details
RTO name
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Looking for Car Insurance?
Get Car Insurance starting at only 2094/year #
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

    Other models
    Other variants
    Select your variant
    View all variants
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      How to Save Your Car During Monsoon with Add-On Insurance Covers?

      Rains in India are mostly witnessed during the monsoon season. The monsoon is the lifeblood of many people in our country, especially the farmers. However, it comes with some challenges too, as the poor drainage system is one of the common problems in India. So, to save your four-wheelers from unforeseen damages, you can buy add-on covers designed the for monsoon season.

      Read more

      How to Save Your Car During Monsoon?

      Comprehensive car insurance covers the damages and losses to your insured car due to natural calamities, man-made disasters, theft, accidents, fire, etc. However, it does not cover damages caused due to water clogging or flooding like engine failure.

      Therefore, you can make your car monsoon ready by having the right add-on covers for monsoon with your comprehensive insurance plan. Here is a list of important add-on covers that you must consider buying-

      1. Engine Protection Cover

        Engine Protection add-on cover can be purchased with your comprehensive car insurance plan. In India, during monsoon, the cars with lower ground clearance get damaged on water-clogged roads.

        Damages in your car engine can be due to water ingression. It can harm the car engine's components causing engine oil leakage or causing damage to the gearbox. Having an engine protection add-on cover compensates for the repair or replacement of your car's engine parts in case of a damage caused due to water-clogged roads. It will cover the cost of repairing or replacement of the engine parts.

      2. Return to Invoice Cover

        Another important add-on cover that you can opt with your car insurance is Return to Invoice cover. Your standard car insurance compensates you with the IDV or the approximate market value of the car.

        If the damages are beyond repair or your car is a total loss, the RIT cover will pay the amount that is mentioned in the car's invoice or bill, including the car registration charges and road tax.

        Flooding can cause severe damage to your car during the monsoon season. In the worst-case scenario, these damages can be beyond repair. Therefore, the Return to Invoice add-on cover will compensate you in such circumstances.

      3. Consumables Cover

        Your comprehensive car insurance policy does not provide any coverage for the cost of consumable items like screws, engine and gearbox oil, air filter, oil filter, distilled water, nuts & bolts, bearings, etc. Also, you will have to pay for these expenses from your own pocket while settling the bill.

        If your car gets damaged in a flood, storm, or cyclone, you do not have to bear the cost of consumable items by having the Consumables add-on cover. Ultimately, this will reduce your financial stress.

      4. Roadside Assistance Cover

        During monsoon, if you are stuck in an emergency like an accident or a car breakdown, your comprehensive insurance plan alone cannot help you with this. Hence, you must have the roadside assistance cover to enhance your comprehensive car insurance coverage.

        By opting for this add-on cover, you can also avail the of benefits like fuel support, battery assistance, towing, etc.

      5. Outstation Emergency Cover

        During the rainy season, if your car breaks down or meets with an accident outside the 100 Km radius of your residence, things become grimy. You may be stranded in the middle of the road and require assistance until your car is fixed.

        In such a situation, the outstation emergency cover comes to rescue you by providing all types of outstation roadside assistance.

      6. Zero Depreciation Cover

        While settling your claims, depreciation of the car parts is considered. However, having a zero depreciation cover, your insurer will compensate you for the cost of the repair without considering the depreciated car parts.

        During the monsoon, you can drive through the water-logged roads, due to which your motor parts can be damaged. If the car part is damaged due to water logging, you can ignore the depreciation factor and get fully compensated for the repair bill with the help of Zero Dep cover.

      Tips to Protect Your Car During Monsoon

      Driving your insured car through waterlogged roads is risking your car's life. Things become more challenging because of the potholes and plunge pools on the road. Here are a couple of tips for monsoon season-

      1. Check Water Level

        Before hitting on the road, it is advised to keep an eye on the water level of the road. If you find a higher water level, try to take an alternate route because driving in such a scenario means you are prone to other problems.

      2. Be Calm and Drive Composedly

        Instead of rushing, drive slow during the rainy season. Try to maintain your speed between first and second gear, and avoid moving to higher gears. This will help in blocking the water from the exhaust pipe.

      3. Check Your Car's Battery Before You Leave

        Before you leave your home, it is advised to check your car's battery. During the monsoon, moisture and humidity might damage the battery set's internal circuitry. Hence, to keep your car battery up and running even in the rainy season, it is advised to check your car's battery with a professional mechanic.

      4. Go for Body Coating

        Another important tip for monsoon season is to opt for paint protection. You can do the body coating and protect your car from rusting. You can do this from your car authorised service center.

      5. Greasing and Oiling the Braking System

        Usually, in the rainy season, you might hear squealing and grinding noise while applying the brakes. In such a case, it is advised to get your brakes checked immediately as early as possible.

      6. Avoid Using Hydrostatic Lock

        Another significant tip is to never force to start your car when its engine is submerged in the water. There are chances that your car might pull a hydrostatic lock, and this will damage the car's engine.

      7. Check the Air Pressure of the Tyres

        Your car needs good traction and correct air pressure while running on wet roads. Therefore, it is advised to check your car's tyre before going out. Moreover, you must keep a spare tyre in your car.


      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      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 Article
      • Popular Articles
      21 May 2024

      Get Faster Claim Settlement with Policybazaar Claim...

      Getting your car insurance claim settled is no longer a hassle

      Read more
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance Policy...

      Have you recently purchased a car insurance policy for your new

      Read more
      22 Feb 2024

      IDV in Car Insurance

      In layman's terms, the IDV full form is the Insured Declared Value

      Read more
      31 Jan 2024

      Must-Have Car Insurance Addons for Brand New Cars

      Investing in a full-coverage car insurance policy is essential for

      Read more
      29 Jan 2024

      No Claim Bonus (NCB) in Car Insurance

      No Claim Bonus (NCB) is a reward given by an insurer to a

      Read more
      11 Aug 2021

      How to Check Car/Vehicle Insurance Status Online

      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

      Read more
      20 Jun 2019

      Getting Your Duplicate Car Insurance Policy is...

      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

      Read more
      20 Dec 2021

      How To Find Car Insurance Details By Registration Number

      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access

      Read more
      03 Jun 2016

      How to Transfer Car Insurance Policy?

      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer

      Read more
      20 Jul 2017

      Comprehensive Insurance Vs Third Party Insurance

      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due

      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.

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