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Does your car insurance cover monsoon damage?

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As monsoon approaches, it will give respite from heat to most parts of the country. The monsoon season is known to make places greener and even more appealing. Thus, making way for more trips. Yet, there is a different side to the monsoon that car owners must be wary of. Monsoon does bring chances of damage to the car. It is not uncommon for monsoon car damage to hamper your ownership experience.

There are a lot of potential issues that monsoons bring. The first and foremost is damage to infrastructure. Heavy rains can lead to potholes and waterlogging. And driving through them can do some serious damage to your car during the monsoon months. As a responsible car owner, you must take additional care during the monsoon.

Potential damages that monsoon can cause to your car

Being aware of the potential damages that monsoon can do to your car, will enable you to take precautionary measures and stay clear of them. The following are some of the damages that are common during these months.

1. Lower grip

Rains can cause a lot of water to be stagnant on the roads. This can at times cause a phenomenon called aquaplaning. In this, due to lower grip, the car essentially slides over a puddle, making it notoriously difficult to control. Apart from this, due to wetter road surfaces, it becomes a bit trickier to get the bite when you brake. Thus, it is essential to have the tyres of your car in good condition before the monsoon season. If they need replacement, now might be a good time to do so.

2. Body damages

Since the monsoon season can aggravate road potholes, it can lead to some damage to your car. A person driving the car might lose control of the car and dash it on the side of the road or with another vehicle. Alternatively, bigger potholes can do some body damage to the car.

3. Mechanical breakdowns

If you drive through a water-logged area, the chances are high that water can enter the engine. Such occurrences can be quite stressful. It can not only leave you stranded in the middle of the road but also lead to engine seizure or failure, which can cost a lot to repair.

Apart from the above, irregular maintenance of a car can also lead to mechanical failures. And there cannot be a worse time to have a mechanical failure than the monsoon. You would not want to be trapped in the monsoon due to the poor maintenance of the car. It is always a good idea to service your car before the monsoons if it is due for one.

To avoid monsoon car damage, you might have to take a few precautionary steps. Such as servicing the car, checking tyres for grip, and driving carefully. However, despite all the precautions, it is highly recommended to opt for comprehensive insurance for the car. It will protect your finances from any unforeseen incidents.

Add-ons for monsoon

To make your monsoon drives and ownership experience smoother, here are a few add-ons that you can consider adding to your policy.

1. Engine protection

The engine of a car is often known as its heart and for good reasons. The engine is one of the most expensive parts when it comes to repairs. Due to water logging, cars that do not have a lot of ground clearance are at a higher risk of engine seizure due to water logging. This add-on will protect you from any such occurrences.

2. Consumables cover

Choosing comprehensive insurance gives you substantial coverage for your car against most contingencies. However, it does not offer any coverage for consumables. Consumables are those components that can only be used once in a car and needs replacement. Some examples include engine oil, grease, nuts, bolts, etc. The add-on will ensure that you do not end up paying for consumables from your pocket.

3. Roadside assistance

A car getting stuck in water-logged roads or lanes is an unfortunate spotting during monsoons. And it is highly recommended not to start your car if you are ever stuck in such a situation. Opting for roadside assistance can be quite handy during the monsoons. The add-on will help you to tow the car to the nearest service centre, where after careful inspection the mechanics will start the car.

Conclusion

The monsoon season can be a bit tricky for car owners. Not taking proper care can lead to issues. Above are some common issues that car owners face during the season and how to stay protected from them. Choosing the right car insurance policy along with the appropriate riders can offer you even better protection.

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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