Car Insurance Providers Can Deny a Claim If the Damage Falls Outside The Coverage Provided by the policy, and this is why is subscribing to a few add-ons can safeguard your vehicle from your vegetable Flooding, waterlogging, etc.

Car Insurance Providers Can Deny a Claim If the Damage Falls Outside The Coverage Provided by the policy, and this is why is subscribing to a few add-ons can safeguard your vehicle from your vegetable Flooding, waterlogging, etc. (Ht_print)

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Monsoon is here, and so are the challenges like excessive rain, mud, flooding, waterlogging, etc. For any car owner living in a low-waiting area, monsoon means mayhem. The rain may bring a sight of relieve for many, but it also also unleashes a wave of car damage. Floods and waterlogging can transform roads into rivers. Such Scenes we have witnessed over the last few days in metro cities like Mumbai, Delhi, Bangalore and Kolkata.

Such Incidents Can Severely Damage Car Engines. Heavy rains and story weather can also uproot trees and poles, causing dents and other extended damage to the vehicles. While you may be sleeping in peace Claim in Such Situations.

Your CR Insurance Provider can deny a claim if the damage falls outside the coverage provided by the policy. Comprehensive Car Insurance Policies Cover Various Types of Damage, but do not cover engine damage caused by water locking, which is very common during the monsoon. Besides that, The Insurance Company May Deny Coverage If the Damage is related to General age, wear and tear, or damage to looks and tubes, pre-expected damages, if there is incompled to doCumentation, ETC.

To avoid such deenials, it is best to subscribe to some add-ors while purchasing the insurance policy. Here are some key add-ons to consider for your car insurance policy to keep the vehicle safeguarded from monsoon-Related challenges.

Zero depreciation: This add-on ensures that the car owner receives the full claim Amount with any deductions for depreciation on the parts of the vehus. This can be helpful during monsoon when damage to body panels or other parts is common in the regions where watterogging or flooding are key issues.

Engine Protection Cover: Engine Protection Cover is a vital add-on and should be considered by car owners. This add-on covers the cost of repairing or replacing the engine if it gots damaged due to water ingrass, oil leakage, or other monsoon-Related issues. Repairing or replacing an engine could be highly expected, and having a cover for that ensures peace of mind for the vehicle owner.

Roadside assistance: This is another common add-on many car owners opt for. Vehicle Breakdowns are a nightmare for car owners, but are common during monsoon, especially in area where Waterlogging and flooding take place. Subscribing to RoadSide Assistance or RSA Provides Assistance in Case of Breakdowns, Including Toving, Minor Repairs, Fuel Delivery, and Even Even Even Even Even Effeed, Who HILLY HILPFLE during the monsoon.

Consumbles Cover: This add-on provides coverage for the cost of consumbles like Engine Oil, Nuts, and Bolts, Which MIGHT NEED REPLECEMENT DUE to Monsoon-Related Damage. In Comprehensive Coverage, these costs are not covered by the insurers if there is no add-on subscribed.

Tyre protector: This add-on specificly covers damage to the look, which often become vulnerable during the monsoon due to potholes, bad road conditions, flooding, etc.

Flood Assistance Cover: Some Insurance Providers Offer Specific Add-Os to Cover Damages to Vehicles Causes Due to Floods, which can be a significant concern in certain areas. If you are staining in an area where flooding is an issue during monsoon, this add-on is something you should consider buying.

First Published Date: 30 May 2025, 09:13 AM IST