Monsoon is most-awaited season by many in India. It brings a sigh of relief after the scorching summer heat bringing down the mercury levels. However, too much of anything isn’t good, right? Similar is the case with rains. Excessive rainfall brings along monsoon-related problems like waterlogging, traffic congestions, vehicles breaking down and many more. Civic infrastructures begin to strain to keep draining the water with the pace the rain pours. Motor vehicles are the biggest victims of such heavy downpour.
While bikes can be moved to safe location due them being light in weight, cars often are trapped in such water. Considering the ground-clearance they offer, water seeps in through the exhaust pipes leading to a hydrostatic lock. In addition to that, accidents due to poor visibility, vehicles stalling, landslides, broken trees are some other situations that car find themselves trapped within. To protect against these different situations, a car insurance policy
comes to the rescue.
Depending on the insurance policy, the insurance cover protects your car against the different damages. However, damages to the engine are not covered even under a comprehensive plan. That’s when you need to buy add-ons. Add-ons are additional yet optional policy features that enhance your policy’s coverage to include those perils that otherwise are not covered by a standard car insurance policy. Here are some of the add-ons that can be used tackle monsoon-related perils:
Engine protection add-on
The repairs for the engine may run into lakhs since it is the heart of your car. With an engine protection add-on, these repairs to the engine, either due to water ingression or leakage of other lubricants damaging the engine and its related components like camshaft, engine block and more, are covered by the add-on cover thus, saving your hard-earned money. Not just repairs, but also the replacement of crucial engine-related components is covered under this add-on.*
24X7 Roadside assistance add-on
Being stranded on the road on a day of heavy downpour can be one of the worst experiences of your life. When the rains pour in heavy, there is limited help available and you do not want to be in such a situation, especially with your family. Thus, a 24X7 roadside assistance (RSA) cover can be purchased to help you jump-start your vehicle or even tow it to the closest service garage. In addition, the RSA cover aids by providing emergency fuel, alternate key facility and even accommodation in some cases.*
If you have already purchased a four wheeler insurance and plan on incorporating these add-ons, then the best time would be to do so during your upcoming car insurance renewal
Zero-depreciation cover is also known by many different names like nil depreciation cover or bumper-to-bumper plan. It is an add-on cover that eliminates the impact of depreciation on your insurance claim. This way the depreciation for the spares is not computed when paying a compensation thereby enhancing the amount of pay-out.*
If an unfortunate accident occurs, the third-party vehicle isn’t the only one that is damaged, it is your car too. While your policy covers the larger spares that require replacement or repair, the smaller spares like nuts and bolts in aggregate add-up to a significant amount which otherwise is required to be paid for. With a consumables cover, these costs are also covered by the insurance company thereby offering a complete protection for the cost of repairs.*
*Standard T&C Apply
These add-ons not only come handy during monsoon, but also for other times. If you are someone who has bought a long-term third party car insurance online
, you can purchase these add-ons with a standalone cover to ensure 360-degree protection. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.