Car Insurance Add-On Covers That You Must Get in The Rainy Season
Car Insurance Add-On Covers That You Must Get in The Rainy Season
Published on July 07, 2023. EST READ TIME: 3 minutes
Car insurance helps to keep your vehicle safe and protected from various factors including climatic problems. At times, due to severely bad weather, your car may break down or require extra repairs. To keep it convenient and economical, you should use your car insurance coverage to the fullest. However, some damages are not covered by the basic motor insurance policy. This is why you need to consider getting some car insurance add ons. These are handy and helpful and keep your vehicle protected during challenging times such as the monsoons. Let’s explore the car insurance add ons in greater detail in the article below.
Understanding Car Insurance Add-on Covers
Before getting into the details of each add-on cover, let us begin by understanding what car insurance add ons are all about.
An add on cover in car insurance, also known as a rider, is an extra protection. A comprehensive motor insurance plan offers many covers but does not cover every single aspect of your vehicle. This is where the riders come in force. You can purchase a rider to fill the gap and ensure all parts and components of your car are covered. For example, the engine of your car is not covered under a regular comprehensive policy. To get coverage for the engine, you need to purchase the engine protection add on cover in car insurance.
You have to pay an extra sum of money for every additional rider that you buy. This may push up the cost of your motor insurance coverage, but it is an essential expense. You need to protect your car at all costs and the riders allow you to customise your car insurance in a way that helps you achieve your motor insurance goals.
Essential car insurance add-ons to get during monsoon
As mentioned above, the car insurance add ons allow you to keep your vehicle well protected and also to address individual concerns. The monsoons in India are quite severe and there is a lot of flooding, waterlogging and other issues. To ensure your car functions smoothly and you have all the required assistance during the time of an emergency, don't forget to attach some monsoon-friendly car insurance add ons this rainy season. Here is a list of the ones you may consider getting:
1. Roadside assistance rider
The first, and the most important, monsoon-friendly car insurance add-on is the roadside assistance cover . This rider is extremely essential because it sends help to you if your car breaks down in the middle of the road. It is common for vehicles to experience stalling and malfunction due to heavy rains. If this happens, all you have to do is call your insurance provider and they will send help to you right away. A mechanic will appear and if he can't fix the car, it will be towed to the garage while you will be given conveyance to reach your destination.
2. Engine protection rider
The engine is a core component of your car and if the engine gets damaged, your car doesn't work properly. Unfortunately, the rains aren't the engine’s best friend and often due to water ingestion, the engine suffers during the monsoons. Get the engine protection add on cover in car insurance so that you can address any engine-related issues and get your vehicle back in its best condition if there is a need at any time.
3. Consumables cover
As stated, your car may require extra repairs and assistance due to rain damage. At such times, the garage may need to change the consumables such as the lubricants, nuts & bolts, engine oil, etc. Consumables are not covered under a regular plan, so you should look to get this add on cover in car insurance to stay protected.
4. NCB protection rider
No claim bonus in car insurance , also known as NCB, is a reward you get for not making any claims in an entire policy year. It is given in the form of a discount on the next year’s premium. The bonus keeps accumulating for every claim-free year. However, even if you make one claim, the bonus reward disappears and all the accumulated bonus gets nullified. The monsoons affect your car and make it more likely for you to make car insurance claims. This is why you should consider getting the NCB protection rider where your accumulated NCB is kept intact even when you make a claim.
5. Passenger cover
There is a higher number of road accidents during the monsoons. This happens due to various factors such as low visibility, vehicle malfunctions, etc. A lot of people are left injured and some also lose their lives in these accidents. To keep yourself and your loved ones safe, get the passenger cover rider where you get medical insurance coverage for the passengers of the car in case they are injured.
6. Daily allowance cover
Another very handy add on cover in car insurance is the daily allowance rider gives you a fixed amount of money every day when your car is undergoing repairs at a network garage. Since you may need to send your car for frequent repairs during the rainy season. At such times, you may have to resort to cabs and other forms of public transport which may be expensive. Therefore, this extra financial assistance proves to be handy.
Conclusion
The car insurance add ons are very helpful and go a long way to assure you have a smooth commute on a daily basis, even when the weather is unfavourable. Choose the riders you need and make your car insurance plan tailor-made for your requirements. You may need any one add on cover in car insurance or you may need all, so do an assessment of your requirements and get going. Remember to keep an eye on the budget as adding too many riders may push up the overall cost of your car insurance plan. Assess your needs, compare the riders and find the ones that suit you the best.
Disclaimer : The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales
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