Vehicles Damaged in Flood: Monsoon rains have been causing havoc practically everywhere in India for several days. Due to the issues brought on by the rains, normal life has been completely disrupted. The rains on the mountains have caused a great deal of suffering for individuals. It will make you shiver to see pictures of automobiles drifting through rivers full of water on social media. Rainwater has flooded peoples’ homes. In several places, you can see cars and bikes submerged in water. It’s crucial to understand what to do if the car is drowned or washed away in a flood in such a case.
Vehicles Damaged in Flood
Car insurance firms provide owners with plans that might assist in repairing damages to their vehicles brought on by natural disasters.
The Covers that you get in the insurance are:
- Engine Protection Cover: The car’s engine is not covered by the comprehensive insurance policy in the event of damage. You’ll need to bring an engine protective cover if this is the case. You can make a claim with this add-on for the replacement or repair of your car’s or bike’s damaged engine components.
- No Claim Bonus: No Claim Bonuses are probably familiar to most individuals. if you filed even one claim after purchasing the coverage, NCB is cancelled. The exemption still applies in this scenario even if the claim is submitted with NCB protection cover. If you do not file a claim for five years in a row, you will still receive a discount of up to 50%.
- Comprehensive Car Insurance Policy: You can cover losses brought on by cyclones, earthquakes, and other natural disasters with the use of a comprehensive auto insurance policy. Additionally, this coverage protects the vehicle or any type of vehicle against theft, fire, explosion, and unintentional damage. This policy does not cover some damages, such as damage to your engine or gearbox from flooding.
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