New Delhi. The rain before the arrival of monsoon has given relief to people from the heat, but the problems of drivers have increased. From the first rain itself, cases of water logging on roads, streets and basements are coming to the fore. In such a situation, if you travel by your car or bike, then its engine may get filled with water. Once water enters the engine, it is very expensive to get it repaired. In such a situation, if you do not have the right insurance cover for the vehicle, then you may have to bear the expenses from your pocket.
There are mainly two types of car or bike insurance, third party and comprehensive. Third party insurance mainly covers the damage caused to other’s vehicle. On the other hand, in comprehensive insurance, along with the third party, damage to your car is also covered. Let us know how you can benefit from insurance if your car is damaged due to water.
Comprehensive insurance will come in handy
Comprehensive insurance also covers damage to the vehicle due to natural disaster, fire, water and theft. If the engine of your vehicle gets damaged due to water, then it can be repaired with comprehensive insurance cover. This will save your pocket from getting empty. However, this policy is optional. Therefore, while buying car or bike insurance, do check whether the company is providing cover for damage caused by natural disasters or not.
You can take add-on insurance
You can take add-on insurance cover for your vehicle. This is in addition to your basic insurance cover. It can include insurance like zero dep, personal cover, road side assistance, engine protection cover, NCB protector, key and lock replacement etc. Similarly, you can take separate insurance for the engine of the vehicle.
keep these things in mind
While buying a car, make sure to get a comprehensive insurance policy. If there is any damage, immediately inform the insurance company. Apart from this, if water has entered the car’s engine, never try to start it. In case the car sinks or gets flooded on the road, take a video recording and photo immediately. This will serve as proof for you. While making an insurance claim, present the necessary documents as soon as they are required.
Tag: auto news, car insurance
first published : June 29, 2024, 11:16 IST
