Does your motor insurance policy cover flood-damaged car?


Rainfall lashed the National Capital Region within the final two days. Some locations in NCR noticed a flood-like scenario and the photographs of submerged automobiles and different motor automobiles had been circulating all around the social media platforms. The loss attributable to water to the automobiles is anticipated to be fairly excessive. The huge query is that if your automotive insurance policy covers the injury attributable to flood water. Well, if in case you have purchased solely the necessary third get together insurance cover, the loss attributable to a flood or any pure calamity is not going to be lined. In case you’ve a primary complete plan, it’s going to cover partial losses as a consequence of flood. It is not going to cover loss to the engine.

The hydraulic lock -through which water enters the engine and stalls it -is the most typical automotive injury in case of a flood. An engine is the guts of the automotive and it prices a fortune if the water enters your automotive engine.
What are you able to do to cover your automotive’s engine?
You can purchase an ‘Add on’ cover known as ‘Engine Protection’ to cover the losses to engine as a consequence of flood water. The Add on is designed to cover damages precipitated to the automotive’s engine.
Car’s engine and its elements resembling pistons, connecting rods, and many others. could be repaired or changed by your insurer. A primary complete automotive insurance policy doesn’t present insurance for automotive engine injury. Engine Protection add on is supposed to cover this exception. Damages to the engine occurring due to an accident or pure calamities resembling a flood are lined by this Add-on.
Insurance advisors ask shoppers to at all times go for a complete automotive insurance plan with Engine Protection Add On.
“Most customers do not purchase the add on cover in places like Delhi due to lower chances of a flood-like situation. The customers also restrain from buying this add on as it requires them to shell out an extra cost. For an instance, a five-year old Fortuner car may cost somewhere between ₹8,000 to ₹9,000 to buy an Engine Protection Add on,” says Gyanendra Gupta, insurance guide, Citrine Financial Advisors, a Delhi-based wealth administration agency. But, for a whole protection and to stop paying for heavy engine damages precipitated as a consequence of heavy monsoons, shoppers should purchase this add on,” Gupta provides.
Here are some tricks to observe when your automotive is submerged in water:
Don’t change on the ignition or try to begin the automotive by push-starting it.Disconnect the battery and tow the automotive to the storage.Do not try to begin the automotive even after the water has receded.Check your automotive brakes for his or her performance as they are typically affected when water enters the brake discs, strains, or pads.Ask the mechanic to rust proof your care on the storage

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