Car Insurance: Monsoon has arrived. You can see a lot of rain in many states of India. In some places, the condition of rain is such that a lot of water has accumulated on the roads. In many places, it has rained so much that a flood-like situation has arisen there. You must have often seen that when it rains a lot and there is a lot of water, cars start floating. Many such videos have been seen on social media.
After heavy rains, a lot of water has accumulated and due to this the cars parked on the roads are seen floating in the water. In such a situation, a question arises in the minds of people whether insurance is available if the car is swept away. So let us tell you what is the provision of insurance in such a situation.
Insurance is available if the car is washed away
There are three types of car insurance. These include third party insurance, own damage insurance and comprehensive insurance. Generally people get third party insurance for their car. But if the car is damaged due to natural calamities like floods, theft etc. then you can get the benefit only if you have taken a comprehensive insurance policy. In this, if the car is damaged due to bad weather, then you get the benefit.
Then you are given insurance cover to get it replaced. That is why when you take car insurance, first of all check whether you will get cover for damage to the car due to natural calamities like rain or not. If you take a comprehensive insurance policy, then whether it is an accident or any natural calamity, you are saved from financial loss.
Keep these things in mind while taking insurance
You should buy insurance according to your city. If you live in a place where there is a risk of natural disasters like floods, rains or landslides, then you should go for a comprehensive insurance policy. Along with this, you should also buy add-on insurance like standard comprehensive policy, zero depreciation and engine protection cover.
Because if your engine gets damaged due to rain or any other reason, then you may face a lot of trouble as it costs a lot of money. That is why you can get a separate engine protection insurance add on.
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