Comprehensive automobile insurance plans could pay for natural disaster-related losses. But, they often exclude coverage for things like engine failure that could be caused by floods or water blockage. It is essential to think about extra add-on policies to complement your comprehensive vehicle insurance plan in order to make sure your automobile is sufficiently equipped for the monsoon.
The following is a thorough list of extra coverings that can keep your car safe during the rainy season:
1) Engine Protection Cover: If you drive a vehicle with a low ground clearance, your engine may be seriously endangered by water infiltration. As water damage may result in gearbox problems or engine oil leaks, this add-on protection covers the expense of repairing or replacing engine parts.
2) Roadside Assistance Cover: Emergencies may happen at any time during a rainstorm. It may not be enough to rely simply on comprehensive auto insurance in cases of breakdowns or accidents. By choosing roadside assistance insurance, you may be confident that you’ll get prompt assistance, including towing, battery support, and fuel aid.
3) Consumables Cover: Typically, consumable items like screws, engine and gearbox oil, air filters, and nuts and bolts are not covered by comprehensive auto insurance policies. You can avoid paying for these things in the case of flood, storm, or cyclone-related disasters by adding the consumables add-on insurance.
4) Outstation Emergency Cover: During the rainy season, the outstation emergency insurance can help you if your automobile breaks down or is involved in an accident more than 100 kilometers from your home. It offers thorough outstation roadside assistance to make sure you have the help you need no matter where you are.
5) Return to Invoice Cover: Typical auto insurance plans pay you according to the vehicle’s identification number or estimated market value in the case of significant damages or a total loss. However, if you choose the return to invoice cover, you will be given the whole amount listed on the bill or invoice for your automobile, including the road tax and registration fees.
6) Zero Depreciation Cover: Car insurance claims often take into consideration the parts’ depreciation. However, if you have a zero depreciation cover, you may avoid the depreciation element and get full reimbursement for waterlogging-related repair costs. With the help of this insurance, you can be confident that the whole cost of repairs—excluding the value of depreciated auto parts—will be covered.
Conclusion
Comprehensive automobile insurance plans may not cover natural disaster-related losses, such as engine failure caused by floods or water blockage. To ensure your car is adequately equipped for the rainy season, consider adding additional add-on policies. These include Engine Protection Cover, Roadside Assistance Cover, Consumables Cover, Outstation Emergency Cover, Return to Invoice Cover, and Zero Depreciation Cover. Engine Protection Cover protects against water damage, while Roadside Assistance Cover provides prompt assistance during emergencies. Consumables Cover covers items like screws, oil, air filters, and nuts and bolts, while Outstation Emergency Cover provides outstation roadside assistance. Return to Invoice Cover provides the full amount listed on the bill, including road tax and registration fees.
