The monsoon season is here, with heavy rains and flooding. If you are like most people, then you probably drive to work or run errands during this time of year. It’s important to ensure your car is protected from the elements this season. That’s why we’ve put together a list of three insurance covers you should consider adding to your car policy this monsoon season.
Let’s get started.
Why is Insurance a Must?
Car insurance helps you financially during an unforeseen event like car damage due to natural calamities or an accident. A car insurance policy gives you the liberty to drive your car on public roads without any tension about bearing the entire cost of damages by yourself.
Insurance Covers You Must Include
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Roadside assistance
We all know the feeling of being stranded on the side of the road with a car that won’t start. Whether it’s because of a dead battery, a punctured tire, or something else, it’s not a fun experience. It always seems to happen at the worst possible time. That’s why roadside assistance is such an important part of any car insurance policy. It can help you get back on the road quickly and without any hassle.
Roadside assistance can cover things like towing, jump starts, flat tire changes, and fuel delivery. Some even go as far as offering 24/hour legal assistance and trip interruption coverage. If you’re planning on doing any driving this monsoon season, then make sure you have roadside assistance coverage.
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Engine protection cover
This cover is specifically designed to protect your car engine against any damage caused by waterlogging or flooding. It also covers damages caused by oil leakage and the breakdown of the car engine due to excessive moisture. If you live in an area prone to flooding or waterlogging, then getting this cover for your car is advisable.
Most car insurance policies do not cover engine damage caused by waterlogging or flooding. So, getting an engine protection cover for your car is better if you want to be on the safe side. Also, you must get this cover from a reputed and reliable insurance company.
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Cover for Consumable
This monsoon, one should make sure that their car policy has a cover for consumables. Consumables include engine oil, coolant, brake fluid, power steering fluid, etc., which are required to keep the car in good working condition. If your car insurance policy does not cover these items, then you will have to pay for them from your own pocket in case of any damages.
Apart from a cover for consumables, one should also look for a policy that covers against water ingress. Water ingress is when water enters the car’s cabin from outside due to heavy rains or flooding. This can damage the car’s electrical system and cause other problems. Many car insurance policies do not offer cover against water ingress, so it is important to check before buying a policy.
The Bottom Line
We all know car insurance is important, but with so many different types and levels of coverage, it can be difficult to understand what you actually need. When it comes to monsoon season, you should keep a few additional things in mind to ensure you and your car are fully protected. Always look for collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.