Monsoons are one of the most awaited seasons in India. People from various walks of life wait eagerly for the monsoon showers, for the growth of crops, for the blessing of ample water, etc. Now, though rains are a boon for a number of reasons, when it comes to vehicles, monsoons can cause a number of issues. Sometimes the flooding of certain areas, heavy rain, storm conditions, etc. can lead to water seeping into the vehicle engine or other parts of the car, causing engine failure and other vehicle-related issues that can cost you a lot.
Having a car insurance will financially protect you against liabilities as a result of vehicle-related issues. You can You can purchase a comprehensive cover or a third-party liability cover based on the kind of insurance coverage you require. A comprehensive car insurance policy offers coverage for both third-party damages and damages to you and your car whereas a third-party liability only cover offers coverage for only third-party damages. Every car insurance policy comes with certain exclusions which you can convert to a policy inclusion, provided you opt for the right insurance add-on covers, especially keeping the monsoons in mind.
Here are a few of the popular add-on covers that you can opt for during the monsoon season:
Engine Protect Cover – It is true that driving your vehicle on roads flooded with rainwater can damage your vehicle's engine causing the it to malfunction. Though engine issues are not covered under a normal car insurance policy, adding an engine protect cover to the base policy will include the vehicle engine under the same insurance policy. An engine protect cover financially protects you from liabilities towards engine repair as a result of any mishap. Under this cover, the total cost pertaining to the vehicle's engine repair will be fully reimbursed to you by your insurer.
Roadside Assistance – Roadside assistance is offered by insurers either as an in-built insurance feature or as an add-on cover. Most of the leading insurers offer this add-on cover. Under this add-on cover, at the time of emergency when you have been stranded on the road due to a mishap that has led to vehicle malfunction, you can avail any of the round-the-clock services offered by the cover. A few of the services offered under the cover include towing facility, fuel recharge, changing of tyres, etc.
Zero Depreciation cover – Depreciation is the loss in original market value of your vehicle as it ages. Even if your vehicle does not get damaged due to the heavy rain or driving via water flooded areas, the water does some damage to the vehicle and its parts, little by little. This leads to an overall depreciation in the market value of your vehicle. By availing a zero depreciation add-on cover, when your vehicle gets damaged as a result of a mishap, you will be paid the claim amount in full without deducting the amount pertaining to the cost of depreciation of the vehicle and its body parts.