An Overview
As we gear up for the monsoon season, preparing our vehicles for heavy rains, slippery roads, and unexpected waterlogging is crucial. We believe in proactive measures to ensure your car’s safety. That’s why investing in crucial add-on insurance coverage is one of the best ways to protect your vehicle this season. Let’s explore how these covers can provide comprehensive protection and peace of mind during the monsoon.
The Importance of Add-On Covers
Standard motor insurance policies offer limited coverage, which may need to be increased during the monsoon. Vehicles become more prone to accidents during this season; hence, adding on covers, also called riders, is recommended to enhance vehicle protection by offering additional benefits. By opting for the right plans and add-ons, one can ensure the vehicle is well-protected against the elements.
Essential Add-On Insurance Covers for Monsoon
1. Engine Protection Cover
The primary component of a car is its engine. During the monsoon, the engine is highly susceptible to damage due to water ingress. Standard motor insurance doesn’t offer coverage for engine damage caused by water. An Engine Protection Cover safeguards against hefty repair costs arising from such damage. This cover is especially beneficial for areas prone to heavy rainfall and flooding.
2. Zero Depreciation Cover
Depreciation reduces a car’s value over time, and standard policies only cover the depreciated value in case of a claim. A Zero-Depreciation Cover ensures the full claim amount is received without any deduction for depreciation on parts like plastic, rubber, and metal. This coverage is particularly advantageous during the monsoon season, when the likelihood of minor accidents and damages increases due to slippery roads.
3. Roadside Assistance Cover
Roadside Assistance is crucial when stranded on a waterlogged road or experiencing a sudden breakdown. This coverage ensures you can handle unexpected breakdowns by providing towing services or on-site repairs. Adding such assistance cover is crucial, especially during the rainy season.
4. Consumables Cover
Standard motor policies do not cover expenses such as nuts, bolts, engine, and brake oil used during servicing. Consumables coverage ensures these costs are covered, providing comprehensive coverage for repair costs during the monsoon.
5. Return to Invoice Cover
In the unfortunate event of the car being declared a total loss due to damage or theft, compensation offered under a standard policy is usually less than the actual invoice value. A Return to Invoice Cover ensures the total invoice value of the car, including registration charges and road tax, is received. This cover is instrumental during the high risk of severe damage during the monsoon season.
6. Tyre Protection Cover
Potholes and waterlogged roads during the monsoon can cause damage to car tyres. A Tyre Protection Cover covers repairing or replacing damaged tires or tubes. Considering the high chances of waterlogging during the monsoon, purchasing this cover is wise.
How Insurance Samadhan Can Help
The insurance world and its processes are complex, especially when dealing with claim delays or disputes. At Insurance Samadhan, we offer solutions and guidance throughout the claims process. Our platform assists policyholders in resolving disputes with insurance companies through mediation and expert advice. If you face any issues or complaints regarding your car damage insurance claims, our team is here to support you and ensure a smooth resolution.
Conclusion
The monsoon season brings refreshing change and unique difficulties, particularly for our cars. Protect your vehicle from the rainy season’s risks by purchasing necessary add-on insurance coverage. At Insurance Samadhan, we’re dedicated to supporting you anytime you need assistance and helping you make informed decisions. With the right insurance coverage, prepare for the monsoon confidently, knowing you and your car are well-protected.
Stay safe, and let Insurance Samadhan be your trusted partner in navigating the complexities of car accident insurance claims.
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