The monsoon season in India brings in heavy rain every time bringing potential risks to your belongings such as cars and bikes. From flooded roads to unexpected breakdowns, the chances of damages to your cars are high. However, with the right comprehensive car insurance policy, you can navigate these risks smoothly. It is also important to remember merely having a comprehensive car insurance policy does not cover all kinds of damages to your car in such a calamity. It is necessary to have the right kind of add-ons like engine protection cover, consumables cover, roadside assistance cover, return to invoice cover, and zero depreciation cover that can offer complete protection to your car and ensure a smooth car insurance claim process.
Six Car Insurance Add-ons every car owner must have
- Engine Protection Cover
During flood, the engine is the first casualty as flood water seeps into your car causing heavy damaged. When the engine is ingressed with water, it can lead to costly repairs, which the regular car insurance policy may not cover; it is the reason why you need an Engine protection cover. Having engine protection cover ensures you get compensated for damage caused due to water ingress. Thereby, you can easily file a car insurance claim to your insurance provider
- Consumables Cover
A Standard Car insurance policy does not include consumables like brake oil, lubricants, engine oil, & nuts and bolts. Monsoon season causes so much damages to these consumables where you will be left without a choice as your policy does not cover these, making consumables cover a crucial add-on that you need to have. It ensures that the expenses related to covering your consumables are borne and you have a seamless car insurance claim process with the car insurance company.
- Roadside Assistance Cover
During monsoon, when you are stuck amidst flood water due to an accident or a breakdown, your comprehensive car insurance policy cannot come to your immediate aid. In such situations, a Roadside assistance cover is mandatory as it can come to your rescue by towing your car to the nearest garage, helping you with fuel delivery etc. With this add-on you do not have to be worried about being left stranded without help. RA cover will ensure you receive adequate cover
- Return to Invoice Cover
In the event of total loss or theft of your vehicle during flood, your original insurance policy would only compensate for the depreciated value. With the return to invoice cover, you can claim compensation upto the original invoice value of the car, ensuring you are not at loss. This add-on offers complete peace of mind during flood situations
- Zero Depreciation Cover
Regular insurance policies deduct depreciation whenever you settle a claim for the spare parts, for which you may have to pay out of your pocket. Having a Zero Depreciation cover will help you compensate for the actual value of your car without considering the depreciation of the parts. Generally, during flood situations such as the recent floods in Chennai, we have seen so many cars suffering damage to their metal and plastic parts, this add-on can come to your aid during such circumstances
- Outstation Emergency Cover
When you are stranded outside the 100 km radius of your home, things might become gloomy. You may require assistance to pull you out from the mess. In such a situation, having an Outstation Emergency Cover will ensure, you get the right help from the car insurance provider.
Conclusion
Having these add-ons make the car insurance claim process easier and more comprehensive. Without these add-ons, you may have to shell out significant out-of-pocket expenses during events like flood. Act now as it’s raining bonkers out there everywhere in different parts of the country. Buy these add-ons to ensure you have a hassle-free car insurance claim experience.
