How to claim car insurance for damages caused by cyclones, other natural calamities

Buy Necessary Add-ons
While it is important to invest in add-ons like Zero Depreciation, Key and Lock Replacement, Cover and Return to Invoice to make your motor insurance plan much more comprehensive, there are some other lesser-known add-ons as well that must be bought for adequate coverage. One amongst them is Engine Protection cover that is very important to claim coverage for damages to the engine. If the engine of your is damaged due to flood water or heavy rainfall, your standard car insurance policy would not pay for the damages as car engine is not included under a standard policy.

To cover this cost, you will need to invest in an Engine Protection Cover. Apart from damages due to rainwater, this add-on also protects the engine against damages due to oil and other machinery. This add-on is a must-have insurance feature to save a substantial amount of money at a nominal premium cost of 0.15% to 0.20% of the Insured Declared Value (IDV).

(By Utpal Raman Sharma, Head-Car Insurance, Policybazaar.com)

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