Monsoons in India come with a multitude of feelings. The first is that of respite from the sweltering heat that scorches almost every part of the country. The next is the monsoon mayhem due to potholes, waterlogged roads, traffic snarls, and more. Monsoons can be a stressful time, particularly for car owners. After all, these issues can cause major damage to your car.
Even if you buy motor insurance, and that too a comprehensive plan, you may still not be able to protect your car enough. Unfortunately, most car owners learn this only after paying for damages caused by lashing rains and waterlogged roads. Wondering why? Because most car insurers do not cover all damages caused due to the monsoons.
Now, neither can you do anything about the monsoons nor can you pause your life for the same. What you can do is buy extra protection covers or riders to add to the existing benefits of car insurance. You can easily buy these riders or add-ons along with car insurance online.
Here’s a list of insurance covers that will help you keep your car protected during the monsoons:
Engine protection cover: The engine is the most vital part of a typical Internal Combustion Engine (ICE) vehicle. Consequently, any repairs to the engine will ensure a hefty bill that can burn a hole in your pocket. Remember, flooding or water logging can cause severe damage to your car’s engine. Cars with low ground clearance are more prone to the damaged engine if taken out on waterlogged roads. However, you can keep your engine protected even in monsoons by buying an engine protection cover. This will add to the benefits of car insurance coverage.
Roadside assistance: Travelling in heavy rains is risky as you may get stranded in a waterlogged area. Or, your car may suffer a breakdown due to bad road conditions. In such situations, there are high chances that you may need private towing assistance. Buy a roadside assistance cover to stay guarded against such risks. A roadside assistance cover will not only save you significant money but will also give you access to reliable mechanics and towing service providers in your time of need.
Consumables cover: Cars require a wide range of consumables such as engine oil, oil filters, lubricants, nuts and bolts, and radiator coolant, among others. Most car insurance policies, including comprehensive plans, do not cover the cost of these consumables. Also, since these consumables are needed regularly, replacing them is a repeated expense. Especially in monsoons, when the car needs more repair and care than usual, the aggregate costs of these consumables can be quite high. Cover the cost of these consumables by buying additional consumables cover.
No Claim Bonus protection: Usually, monsoons witness a higher number of accidents as compared to other times of the year. Because of heavy rains, waterlogging, traffic snarls and gushy winds, the possibility of road mishaps rises significantly. Even small accidents can cause problems such as a broken rear-view mirror, scratched or dented bonnet, a broken bumper, and more. While making a claim may save you money short-term, it would deplete your accumulated No Claim Bonus. Protect your low-cost repairs by buying a No Claim Bonus protection add-on.
Outstation emergency rider: Despite all the risks faced by car owners, there is no denying the fact that the monsoon is one of the best times for road trips in India. Driving on wet roads with raindrops rolling down your car’s windshield is an experience to behold. However, you can land up in serious trouble if your car gets damaged due to rain when you are vacationing. To avoid such a situation, buy an outstation emergency rider when buying car insurance online. It will ensure your monsoon trips are worry-free.
You can choose from a wide range of add-on riders to enhance the coverage of your motor insurance policy, especially during monsoons. The way you buy car insurance online, you can buy add-on covers of your choice from the comfort of your home. So, what are you waiting for? Enhance your car insurance coverage with the right add-on covers and enjoy monsoons to the fullest.
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