Car insurance: how to save your vehicle in a crisis like the Bangalore floods

By Ashwini Dubey

While Bengaluru as a city is often associated with pleasant weather due to the heavy rains it receives, the recent downpour has been anything but pleasant for the city. On the contrary, it has been nothing less than a paralyzing wave for the inhabitants of the city and its infrastructure.

Bengaluru, however, is not the only city to have faced such a calamity. Flooded roads and submerged vehicles are not uncommon these days in Delhi NCR, Mumbai or, for that matter, most cities in India. This type of natural disaster tends to harm vehicles and their life the most, especially in urban areas.

Monsoon rainfall can bring much-needed relief from harsh summers, but excess rainfall can also prove a hardship on daily life. Not only loss of life and property, they can also be detrimental to your vehicle. Poor visibility and poor road conditions can further aggravate the situation. That’s why a comprehensive car insurance policy is essential to adequately protect your vehicle. Here’s how car insurance can come to your rescue during a natural disaster like the recent floods in Bengaluru.

Opt for a global font

It is always recommended to opt for a multi-risk policy and not only the compulsory civil liability guarantee. The own damage component of the policy protects you from large unforeseen expenses that may arise due to flood damage. Since accident risks also increase significantly during these times, it is advisable to ensure full financial protection through comprehensive coverage. The comprehensive policy provides coverage for damages and replacements under terms and conditions.

Also read: Your money: Benefits of demat insurance policies

Obtain necessary add-ons

Although a comprehensive policy provides adequate protection, it is simply not enough to cover you in the event of a flood. Certain costs due to water infiltration, engine damage, hydrostatic blockage, etc., specific to a loss like this and not covered by a standard plan could weigh heavily on your pocket. The best way to ensure your safety and that of your vehicle is to choose the appropriate options in your policy. Here are a few runners you should consider buying:

—Engine Protection Cover: This is a must-have item to protect your engine from liquid damage due to water ingress. This is not covered by a regular policy and engine failure is a likely probability in such a situation. If your vehicle experiences a hydrostatic lock, this will also be covered by this endorsement.
—Roadside Assistance Coverage: When you’re stuck in a natural calamity, a vehicle breakdown only adds to your woes. There is a high probability that you will be left behind with no help in sight. By opting for this coverage, you can organize the care and repair of your vehicle.
—Consumables coverage: As no one knows how long such a natural crisis will last, prolonged exposure to water can lead to damage to lubricants, engine oil or gearbox etc. A normal policy does not cover such damage; therefore, it is best to opt for consumables coverage.

What you must remember

—Never try to start your vehicle in a hurry if it breaks down due to water infiltration.
— Do not start the vehicle until you are sure that the water has gone away.
—In the event of a breakdown, park your vehicle in a safe, covered location to prevent further damage.
—Notifying your insurer immediately if your vehicle breaks down due to flooding is important.
—Last but not least, remember to obey traffic rules to make sure your claim is watertight. In the event of damage, have your vehicle appraised and inspected as soon as possible. By following these tips, you’ll have one less worry in a situation like this.

The author is the head of Motor Insurance Renewals, Policybazaar.com. Views are personal

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