What Can Be Claimed Under Insurance During Monsoon

Posted in June 18 | 487 views

Insurance Coverage

When it comes to caring for your car, no season poses as many questions about car maintenance as the rainy season. A couple of trips down clogged lanes during the monsoons will age your car faster than multiple trips in arid weather on steep terrain. What’s worse is that most standard car insurance policies won’t cover monsoon-related damages under accidental damages. The monsoon months witness the highest number of car insurance claims on account of engine damage due to water seepage or total car breakdown because of flooding.

Each year, the incidence of car repair claims go up substantially in the monsoon season and most standard policies do not pay for the depreciation component of the car repair bill. Needless to say, the right car insurance with the correct add-ons can go a long way in lowering the financial heartache.

  1. Roadside Assistance
  2. This car insurance cover provides 24-hour emergency ‘assistance’ and breakdown coverage to the vehicle owner. This facility includes but is not limited to emergency vehicle towing, finding a reliable garage for repair, alternate transport in case of breakdown in remote areas, lost key assistance, et cetera.

  3. Hydrostatic Lock Cover
  4. When water seeps into the engine of the car, the hydrostatic lock-down of the car occurs resulting in the engine not starting or stalling after short spurts. This particular add-on covers all damages arising due to engine lockdown during floods.

  5. No Claim Bonus (NCB) Protector
  6. As the name suggests, this policy add-on protects your no-claim bonus percentage as well as keeps the car insurance premium amount from rising for any 2 claims

  7. Consummables Cover
  8. The cost of consumable such as nuts, bolts, screws, washers, and so-on, are not covered in the standard car insurance . Since severe rain damage will render many of the consumables completely unfit for further use, this offer cover will come in handy.

  9. Headlights and Tail lamps
  10. During the pre-monsoon car inspection check the headlights and tail lamps to ensure they are in a working condition. Ensure that there is no water seepage into the car-lamps as this can increase chances of a short circuit.

    Apart from understanding how these insurance add-ons can lessen the financial damage, it might be worthwhile to take a few preventative measures to protect the health of your car.

Here are some recommendations:

  1. Avoid travel routes where water accumulates quickly.
  2. Drive cautiously in clogged areas where you’re unsure of the depth of the water. If water seeps into the engine air intake system, it can lead to severe engine damage.
  3. Avoid driving through water if you are not sure of the depth. Severe engine damage may occur if water gets sucked up into the engine air intake system
  4. When driving through still water that appears deep, lower your speed and shift to the first gear. Drive consistently and maintain acceleration to prevent stalling.
  5. Periodically check the brakes during the monsoons. Functionality of the brake pad is affected by water entering the brake lines or discs.
  6. Keep windows slightly ajar during the rains to prevent a central lockdown incase of short-circuits.
  7. If your car stops in a flooded area and can’t start, it’s best to call the nearest garage and have the professionals take a look.
  8. In case of waterlogging, do not try to restart the car by pushing or cranking. This might lead to electrical and mechanical damage to the car
  9. Inform your insurance company at the earliest to help them assess the level of damage and avoid any further losses.