Key points
If your car is drowned in flood, then know how you will get the benefit of motor insurance
You can take the Engine Protector Add-on Insurance in case of a car failure in the event of a flood. The benefit of such insurance is that you can avoid any damage to the vehicle in the event of floods.
Flood-like conditions have persisted in many states of India for the last few months. In such a situation, this time can be very troublesome for the vehicle owners. Many people do not know how their motor insurance will help them if their vehicle is damaged in flood. Most insurance companies do not compensate for losses in natural calamities. So today we are going to tell you here how and which car insurance can help you get out of this difficult time.
You can take the Engine Protector Add-on Insurance in case of a car failure in the event of a flood. The advantage of such insurance is that you can avoid any damage to the vehicle in the event of a flood and claim the insurance company for compensation for the loss.
What is Engine Protector Add-on Insurance:
- Covers basic water damage to the engine
- Insures repair costs
- Add-on insurance can claim insurance for any type of damage to a vehicle other than an accident
- Provides insurance to electronic circuits
- Any loss related to auto parts also gives benefit
There are two types of motor insurance cover for losses:
- Damage cover of engine damage and motor parts of car
- If the engine of the water affected vehicle is completely damaged, then the total cost will be from 1 to 2 lakh rupees. In the same way, it may cost a lot more to fix motor parts. Add on insurance helps you cover all types of damage in terms of engine malfunctions to motor parts.
Benefits of Add-on Insurance:
- Zero Deprivation: In case of any loss of vehicle, you can claim the entire money without any depreciation.
- Engine Protector and Electronic Circuit Cover: Driving or parking during rainy season can also cause major damage to the engine of the vehicle. In such a situation, with the help of Engine Protector Service Insurance, you get the benefit of the loss due to rain. This insurance is especially useful in flood affected areas.
Quick Road Side Assistance:
- While driving frequently in flood affected areas, sudden damage to the tires of the vehicle or damage to the engine proves to be a very scary experience. In such a situation, the Quick Road Side Assistance Cover provides you with the facility of repairing a lot of service, such as on-road damage.
- It also allows you to quickly replace your damaged tire in a close garage.
Some important things to keep in mind:
- Always drive in the rainy place in the first or second gear
- Increase the engine revolutions per minute (RPIm) without using a clutch
- Never start the engine if the car gets stuck in the rain
- Disconnect the battery as soon as possible
- If the rain water goes inside the car, never turn off the ignition. By doing this, there may be a short circuit in the electrical system, due to which both you and the vehicle can be damaged.
- Always check your car brake before emptying the flooded area.
- If possible, keep any heavy iron equipment or hammer-like thing with you, so that the vials can be broken when needed or when the car is locked.
