Monsoon season has started across the country. Heavy rains have already started in many areas of the country. Natural disasters like heavy rains and floods often occur during the monsoon season. Many times vehicles also get washed away in these disasters. You must have seen many such pictures where the car is submerged in water or gets washed away in the strong flow of water.
In such a situation, if your car also gets washed away in the flood, then it becomes important for you to know whether you will get compensation from the insurance company. Does the insurance company compensate for the damage caused to the car due to the car getting washed away in the flood or drowning in the water or not.
How much can it cost?
If your car gets submerged in water, then many types of defects can occur in it. From the accessories of the car, electronic system to the engine can be damaged. Due to water, the electronic system of the car can get damaged and the engine can also get damaged. Then you can spend a lot of money to get the car repaired. It can cost up to INR 1 lakh to get the car repaired. Many people are confused about whether the insurance company pays money in such a situation or not. Let us tell you about it. If your car also gets washed away in the flood, then it becomes important for you to know whether you will get compensation from the insurance company.
If you have taken a comprehensive insurance policy for your car, then you can get the benefit. Comprehensive insurance policy is more beneficial in natural calamities such as flood, storm, earthquake, landslide and fire including theft or accident. In this policy, you get insurance cover for the damage caused to the car due to natural calamity. If your car gets washed away in a flood or drowns in water, then you will get the same claim as you get in case of a car accident. Therefore, when you are taking an insurance policy for your car, make sure whether it provides protection against damage caused by natural disaster or not.
Comprehensive insurance is the best option
Comprehensive insurance also covers damage to the vehicle due to natural disaster, fire, water and theft. If the engine of your vehicle gets damaged due to water, then it can be repaired with comprehensive insurance cover. This will save your pocket from getting empty. However, this policy is optional. Therefore, while buying car or bike insurance, do check whether the company is providing cover for damage caused by natural disasters or not.
You can also take add-on insurance
You can take add-on insurance cover for your vehicle. This is in addition to your basic insurance cover. It can include insurance like zero dep, personal cover, road side assistance, engine protection cover, NCB protector, key and lock replacement etc. In the same way, you can take separate insurance for the engine of the vehicle.
Keep these things in mind while taking insurance
While buying a car, keep in mind to get a comprehensive insurance policy. If there is any damage, immediately inform the insurance company about it. Apart from this, if water has entered the engine of the car, then never try to start it. In case of a road vehicle getting submerged or filled with water, take a video recording and photo of it immediately. This will work as evidence for you. While making an insurance claim, present the necessary documents as soon as they are required.