Car Insurance: Nearly every region of our nation has seen significant rains since the monsoon season began. Occasionally, these tremendous downpours result in flooding. Additionally, your cars are among the issues brought on by this intense downpour. This also pertains to your car’s insurance. Does monsoon-related damage get covered by your auto insurance? Although accidents involving automobiles are usually covered by motor insurance, there may be some exclusions and limitations, particularly in cases of floods and waterlogging. Here are some things that you must know about your monsoon car insurance.
Check these things first
There may be explicit exclusions for floods and water logging in some auto insurance policies. These exclusions, which may restrict coverage or impose requirements for claims pertaining to such situations, may be included in the policy document. Flooding is usually covered by a standard comprehensive auto insurance policy along with add-ons like engine cover, NCB protector, depreciation waiver, and return to invoice coverage.
Does your motor insurance cover these things?
Damage from flooding or water logging, such as electrical malfunctions, wiring damage, or seepage into the car’s interior, may not be covered by motor insurance.
Car Insurance: Does not cover these things
The majority of auto insurance policies do not cover hydrostatic lock or water intrusion-related engine damage. This implies that in the event that water seeps into the engine compartment or the engine seizes as a result of water pressure, the policy might not pay for the necessary repairs.
What you can use to protect it from monsoon?
You can choose to add the Engine Protection Cover as an optional extra to your standard auto insurance policy. It pays for the price of replacing or repairing engine parts that are harmed by water intrusion. Moreover, a comprehensive motor insurance coverage usually covers your car if it is washed away in a flood.
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