Monsoon brings a breath of fresh air for everyone except car owners. When water gets logged on roads, vehicles start getting damaged. If you are a car owner, it’s high time that you prepare for the monsoon.
The most reliable way to ensure that heavy rains do not go heavy on your pocket is by picking a car insurance policy that covers car damage because of monsoon related reasons. From towing service to engine damage repair, an insurance policy can cover many costs.
In this article, we have covered how a comprehensive car insurance policy can protect your car during the monsoon:
When Your Car Stops Mid Way
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A car stalling in the middle of a long road is the worst nightmare of a driver. Of course, the drive can get it towed to a service centre but the cost of it can be huge if the distance between the starting point and destination is long. Sometimes, towing services increase their charges in the monsoon season because it is harder to tow a car when the roads are slippery.
Car insurance that covers roadside assistance becomes a money saver in such a situation. If your car gets stalled in the middle of the road due to waterlogging and you have car insurance with roadside assistance cover, you are eligible to receive reimbursement for the full towing charge.
When The Engine Gets Damage
If your car is parked in an area that is water-logged, starting the engine can cause damage. In such a situation, the best practice is to move the car out of the water-logged area manually and then try to start the engine. However, at times, you don’t have the manpower to move the car and that increases the probability of engine damage. Thankfully, car insurance can also cover the costs of such damage.
Opt for a comprehensive car insurance policy that has engine-protector coverage. Apart from the basic costs of engine damage, it can also provide you protection against oil leaks and damage to the gearbox. It might sound at first place that this type of car insurance policy will be costly, but actually, it is easily available at affordable rates.
It is not necessary that a car gets damaged in the monsoon only because of car-logging. When the visibility is low because of rains or the roads are slippery, the chances of accidents also increase. If your car gets damaged in an accident – minor or major – an insurance policy with zero depreciation is super helpful. In this type of car insurance, you are eligible to receive your entire claim amount.
Usually, parts such as the bumper are replaced instead of being repaired. A zero-depreciation car insurance will cover the costs of replaced parts too. However, one thing to be noticed here is that such coverage is applicable for new cars up to the time of 5 years.
A comprehensive car insurance policy can save you a lot of money in the monsoon. If you haven’t already chosen a policy, now is the time to do so.
Also Read – Common Types of Insurance You Should Buy