Even though you have opted for a comprehensive car insurance policy, it does not mean you are fully covered if anything happens to your car. In fact, damages due to water logging, flood damage, and seat replacement are generally not covered under insurance.
This especially becomes problematic during the monsoon season as chances of damage to your car due to water and other natural causes increase significantly. This is where insurance add-ons come into play.
Though these insurance add-ons bump up the insurance premium, they come in very handy when something goes wrong during the monsoon season. As such, here are 4 car insurance add-ons you need to consider this monsoon season.
The engine is often the most expensive and crucial component of a car. During monsoons, any water-related damage could end up being very expensive and most insurance do not cover ‘hydrostatic lock’. In such cases, this add-on will cover most of the damages caused to the engine during monsoon.
When your car is flooded or damaged by water, it is best not to start your car as it can cause further damage. In such cases, the 24×7 Road Assistance coverage comes in very handy and covers expenses for roadside assistance and towing.
The Zero-Depreciation insurance add-on comes in very handy if you plan not to spend any money out of your pocket on repairs. With this add-on, the policyholder will be reimbursed for the entire amount of the damage and not just the depreciated value of the vehicle/components.
This insurance add-on even covers the consumables such as engine oil, coolant, brake oil, etc. This makes this add-on totally worth having and significantly improves peace of mind during this monsoon season.
With the above-listed insurance add-ons, most damages that are likely to be incurred during the monsoon season on a car will be covered. This ensures peace of mind and also saves plenty of money even if something goes south.
