As the rainy season reaches its peak, car owners face challenges due to heavy rains, flooded roads, and unpredictable weather. These factors increase the risk of accidents and damage to vehicles, leading to financial burdens. It is crucial to have the right insurance cover to protect your car during the monsoon season. This article provides a step-by-step guide to choosing the right car insurance.
Comprehensive flood coverage is essential during the monsoon, as heavy rains and flooding can cause significant damage to vehicles. Ensuring that your insurance includes protection against water damage can save you from expensive repairs.
Standard comprehensive car insurance policies may not fully cover monsoon-related damages. It is advisable to purchase add-ons or optional features that provide extra protection for your car. Engine protect is an important add-on, as the car engine is vulnerable to damage caused by water ingression, engine malfunction, hydrostatic lock, or leakage of engine oil. Check with your insurer if they offer this add-on.
Zero depreciation is another valuable add-on. It ensures that you receive the full value of your car and its parts without any deduction for depreciation in case of a claim. Roadside assistance is also beneficial, as it provides support in case of car breakdown on a secluded highway, connecting you with the nearest garage.
Return to invoice add-on covers the difference between the invoice value of your car and the claim amount in case of total loss or theft. Emergency hotel accommodation cover is useful during road trips, as it covers hotel expenses and helps in finding nearby garages for repairs.
When considering insurance for hybrid cars, it is important to protect them from hazards in the monsoon season. EV protection cover safeguards hybrid vehicles from damage caused by electricity fluctuation, fluid ingression, and accidental damage to the EV charger assembly.
Review your existing policy, compare options, and select add-ons that enhance coverage tailored to your needs. By taking these proactive measures, you can have a worry-free and safe driving experience during the monsoon season.
Source: Reliance General Insurance – Rakesh Jain, CEO.
Topics: Car Insurance, Monsoon Season.
Note: This article is based on the information provided by Reliance General Insurance and does not contain any URLs or images.
Definitions:
– Comprehensive flood coverage: Insurance coverage that protects against damages caused by heavy rains and flooding.
– Add-ons: Optional features or enhancements to an insurance policy that provide additional protection.
– Engine protect: An add-on that covers damages to the car engine caused by water ingress, engine malfunction, hydrostatic lock, or engine oil leakage.
– Zero depreciation: An add-on that ensures full compensation without any deduction for depreciation in case of a claim.
– Roadside assistance: An add-on that provides support in case of car breakdown, including towing, battery jumpstart, flat tire change, and fuel delivery.
– Return to invoice: An add-on that covers the difference between the invoice value of a car and the claim amount in case of total loss or theft.
– Emergency hotel accommodation cover: An add-on that covers hotel expenses in case of accidents or breakdowns during road trips.
– EMI cover: An add-on that pays EMIs for car loans on the owner’s behalf if the car is in the garage for an extended period.
– EV protection: An add-on cover for hybrid or electric vehicles that protects against damages caused by electricity fluctuation, fluid ingression, and accidental damage to the EV charger assembly.