New Delhi. These days, heavy rains and storms are wreaking havoc in many states of the country. Due to waterlogging on the roads, cars, bikes and scooters get submerged and get damaged. In such weather, many times insurance claim is not made if the vehicles get damaged due to water. When you are driving and the engine gets damaged due to going inside the water (Car Engine Damage By Water), then it costs a lot to get it repaired. Insurance companies do not give claim in case of damage to the car or engine in normal insurance. If you have taken Third Party Insurance, then you will not get any kind of own damage cover. That is, if the engine of the car gets damaged due to water, then you cannot claim third party insurance.

However, if you have taken comprehensive car insurance, then in some cases the insurance companies cover the damage, but it is considered better to take an add-on package for complete protection of the engine. So let's know how you can get an insurance claim if the engine gets damaged due to water.

Get comprehensive insurance for your car
Flood damage is covered only if you have comprehensive insurance coverage, which is optional and not mandatory like third-party insurance. The comprehensive policy covers damage to your car caused by natural calamities like floods, earthquakes, cyclones, etc. It also covers damage caused by accidents, fire, man-made disasters, and theft.

Floods can strike unexpectedly, and it is important that you have the right insurance coverage for your car in case of flood damage. Fortunately, car insurance covers flood damage. But, for this, you need to buy a comprehensive insurance policy. You must buy this policy if you live in a flood-prone area.

Add-on cover is also necessary
Comprehensive insurance policy is the perfect coverage for your vehicle, especially if it gets damaged due to floods. However, it does not provide coverage for certain damages or losses. To enhance the coverage, you should include some add-on covers along with the comprehensive policy. You can include some add-on covers like engine protection cover, zero depreciation, roadside assistance, return to invoice cover, consumables cover and no-claim bonus in the add-on covers.

Tags: Auto News, Car Bike News, Car Insurance