By Ashwini Dubey
While Bengaluru as a city is often associated with pleasant weather due to the torrential rains it receives, the recent downpours have not been as pleasant for the city. On the contrary, it was nothing less than a wave of paralysis for the city’s population and infrastructure.
However, Bengaluru is not the only city that has faced such a disaster. Flooded roads and submerged vehicles are not a rare sight nowadays in Delhi NCR, Mumbai or, for that matter, in most cities in India. This type of natural disaster tends to negatively affect vehicles and their lifespan, especially in urban areas.
Monsoon rains may bring much awaited relief from harsh summers, but excessive rainfall can also be an ordeal for everyday life. Not only does it cause loss of life and property, but it can also be harmful to your vehicle. Poor visibility and poor road conditions can further aggravate the situation. This is why a comprehensive vehicle insurance policy is a must to adequately protect your vehicle. Here’s how auto insurance can save you in a natural disaster like the recent Bengaluru floods.
Choose a comprehensive policy
It is always recommended to choose a comprehensive policy and not just a mandatory third party cover. The special damage component of the policy protects you from unexpectedly large expenses that may arise due to flood damage. Since the chances of an accident also increase exponentially during these times, it is advisable to ensure complete financial protection through comprehensive coverage. The comprehensive policy provides coverage for damages and replacements as per terms and conditions.
Get the necessary extras
While a comprehensive policy ensures adequate protection, it is not sufficient to cover you during a flood-like situation. Some costs due to water ingress, damage to the engine, hydrostatic lockout, etc. that are specific to a disaster like this and are not covered under a standard plan, may weigh heavily on your pocketbook. The best way to secure your safety and the safety of your vehicle is to choose the appropriate add-ons in your policy. Here are some riders you should consider buying:
Engine Protection Cover: This is essential to protect your engine from fluid damage due to water ingress. This is not covered by a regular policy and engine failure is likely during such a situation. If your vehicle undergoes hydrostatic locking, it will also be covered under this jockey.
Roadside Assistance Cover: When you are stuck in a natural disaster, a vehicle breakdown increases your problems. There is a good chance that you may be deserted without any help looming. By choosing this cover, you can arrange the receipt and repair of the car.
– Consumables cap: Since no one knows the duration of such a natural crunch, prolonged exposure to water can damage lubricants, engine oil, gearbox, etc. The usual document does not cover these damages; Hence, it is better to choose a consumable cap.
What to remember
– Never try to start your vehicle in a hurry if it breaks down due to water ingress.
Start the car only after you are sure the water has receded.
—In the event of a breakdown, park your vehicle in a safe and covered area to avoid further damage.
It is important to inform your insurance company immediately if your vehicle breaks down due to a flood.
– Finally, and most importantly, don’t forget to abide by the traffic rules to make sure your claim is airtight. If damage occurs, have your vehicle assessed and inspected as soon as possible. By following these tips, you will have one less thing to worry about in a situation like this.
The author is president of Vehicle Insurance Renewal, Policybazaar.com. Opinions are personal