IMD predicts heavier rains: Ensure Car Insurance Coverage with Monsoon Add-Ons
Monsoons are just around the corner and IMD has predicted that some parts of India will witness heavier rainfall than in previous years. Car owners face many difficulties during the monsoon season. Problems including waterlogging, flooding, and an elevated chance of mishaps become frequent. Thus it is needed for one to protect their car. Choosing car insurance add-ons tailored to the monsoon can help achieve this. These extras include coverage for the engine, zero depreciation, Tyres, assistance, flood aid, EMI protection, and consumables. Here's a closer look at how these accessories might shield your automobile during the wet season.
Your car's engine is especially vulnerable during the monsoon. Floods, fluid leaks, or starting the engine by accident after submersion are all potential ways that water can get inside the engine. This may necessitate expensive repairs or perhaps an engine replacement. By paying for replacement or repair expenses, an engine protection cover can safeguard you from these water-related problems.
For example, the engine protection cover makes sure you don't have to pay for the whole repair cost if your automobile is submerged and the engine gets damaged. This provides security and comfort throughout the difficult monsoon season.
Conventional auto insurance policies frequently withhold between 30 and 50 percent of the claim amount for depreciation, offering only a portion of the cost of repairs. This might be
especially troublesome when there is a higher frequency of incidents during the monsoon. You must have a zero-depreciation cover since it guarantees that you will get the full claim amount, with no deductions for parts made of metal, rubber, and plastic.
For instance, this coverage minimizes your out-of-pocket costs by guaranteeing full pay for the replacement of plastic parts if you are in a bumper-to-bumper collision in heavy traffic.
Particularly in the monsoon season, tyres sustain a great deal of wear and tear. Whether a tire bursts or punctures, the tyre protector add-on pays for all labor and replacement expenses. This guarantees that throughout the rainy season, you won't be hit with unforeseen tire damage costs.
It can be very stressful to break down amid a landslide, torrential downpour, or waterlogging. The help cover offers round-the-clock emergency help, including fuel delivery, on-site repairs, towing, and small fixes.
For instance, this cover guarantees that assistance is only a phone call away if your car stalls in a flooded area, saving you from becoming stuck and providing you with instant comfort.
Vehicles are susceptible to serious damage from floods. If your car is flooded, the flood relief cover offers cleaning and drying services. It includes towing services to the closest garage if your automobile is rendered immobile.
The EMI protection add-on pays the financier for your car's interest if unintentional damages cause repairs to take longer than 21 days and render it useless. This guarantees you don't have to worry about money when your car is in the garage, which is a big comfort.
Monsoon-related repairs often necessitate replacing various consumables such as engine oil, nuts and bolts, lubricants, and brake oil, which can add to the cost. The cost of these things is covered by a consumables cover, which lessens your financial strain. This is especially helpful in the monsoon season when severe weather leads to more repairs.
In summary, With its own set of difficulties, the monsoon season may be especially hard on cars. Car insurance add-ons tailored to the monsoon season can provide complete coverage while protecting your vehicle from natural wear and tear. You may drive with confidence knowing your car is well-protected from the elements by adding necessary add-ons like engine protection, zero depreciation, tyre protector, assistance cover, flood assistance cover, EMI protection cover, and consumables cover. Being ready with these add-ons will not only save you money but also give you piece of mind throughout the upcoming rainy months, as the IMD anticipates a heavier monsoon season this year.
Also Read: