How Does Car Insurance Keep Safe During Heavy Rain or Flood?

If a person, living in a city where heavy rain or flood causes major loss, or there is always a chance of flood. People and their vehicle majorly suffer from this. Flood can damage a car, its engine or electrical system. These losses make car-insurance a must-have factor for everyone.

Get Coverage from Car Insurance

Comprehensive insurance policy covers harms or damages caused due to natural disasters such as cyclones, frost, floods, earthquake, tempest, storm, whirlwind etc.

Majorly engine and accessories damages happened by flood. A car’s engine may have damaged partially or completely. Replacing damaged engine costs a big expense. Covering this loss through Car Insurance is one of the best solutions. One should make sure the damage coverage due to flood is included in the plan as most of the insurers do not provide this coverage.

Add-ons to the car insurance policy

 Investing a small amount with more coverage option is more fruitful. Let’s have a look below the benefits of add-ons in car insurance:

 1)  Quick Roadside Assistance

Sometimes, driving a car in a flood affected area and getting stuck due to engine damage or other problems create aching experience. Roadside assistance services give comfort zone of repairing on-road damages, lugging the car to the nearest garage etc.

2)  Zero Depreciation

Opting for this ad-on, gives complete coverage of any type of damage occurred without considering depreciation as a factor.

3)  Engine Guard and Electronic Circuit Coverage

While parking car in water-affected area, may cause engine or circuit damage. This add-on can protect from such situation.

Safety Tips to Follow

Some safety tips, which every car owner keeps in mind while driving:

1)  If trapped in water, do not start car’s engine even after the water removes. In such case, disconnect the battery and tow the car to a nearest workshop.

2) If water comes into inner part, do not switch on the start. It may cause short circuit in the electronic circuit and may cause major loss to the person and vehicle.

3)  Check car brakes after exiting the water-logged area.

4)  Keep tools such as hammer in order to break window glasses of the car, if door locks gets blocked due to water.

Also read

IRDA - You and Your Motor Insurance Policy: FAQs