During the monsoon season, you should take extra precautions with your vehicle. Vehicles frequently break down during the rainy season. Having car insurance will save you money this holiday season.
Third-party car insurance is required according to the Motor Vehicle Act of 1988. Most insurers do not cover damages caused by natural or man-made disasters. That is why you require add-ons. Here are some crucial considerations when selecting car insurance coverage to cover damage during the rainy season.
A Few Monsoon Tips to Protect Your Car
- Service car before rains
It is best to have your car serviced before the monsoon season begins. The engine, air filter, fuel filter, tyres, and other components should be thoroughly inspected and replaced as needed. Regular servicing may be covered under your current insurance coverage, requiring you to spend no further money.
- Replace your tyres
Road flooding during the rainy season increases the chance of accidents, so check your car tyres. Experts recommend that your car’s tyre treads be deep enough to provide enough protection and prevent skidding on slick roads.
- Consumables cover
Third-party insurance often covers serious damage and substantial pieces. Most car insurance policies do not cover minor repairs or replacements. A consumable cover in car insurance protects you from the cost of small spare parts such as nuts and bolts, brakes, and mirrors.
- Engine protection cover
Another prevalent issue during the monsoon is engine seizure. On flooded roadways, vehicles with little ground clearance are more prone to engine failure. Engine failure during rain is not covered by standard insurance policies. It will help if you purchase it as an add-on to your current policy.
- Towing assistance
It’s also tough to get out of your car if you’re stopped in the middle of a flooded road. In this case, roadside assistance would be beneficial. You can hire a tow truck or long distance car towing company to transport your vehicle to the nearest service centre or garage. You can also hire a mechanic to come to your home. Your insurance should include on-road assistance coverage for this.
- Roadside assistance cover
Roadside help is especially important during severe rains, when you may become stranded on the road with your vehicle owing to waterlogging. With no way to exit the vehicle or even push it to a safe spot, you’re at the mercy of towers and private roadside service providers. With this coverage, you are not only exempt from paying for roadside help, but you may also obtain reliable mechanics or towers through your insurance.
These add-on covers will not only assist you in dealing with the cost of repairing your vehicle, but they will also assist you in avoiding insurance claims during the policy period. As a result, you will be eligible for the no-claim bonus that is included with your policy.
Author Bio: Smriti Gala works as a Digital Marketing Manager with Coverfox. As her life turned upside down when COVID severely afflicted her family members, Smriti decided to dedicate her expertise towards informing and educating the masses about the importance of health insurance. When she is not actively writing enlightening content, our ‘monk marketer’ likes to meditate, meet new people and explore less travelled territories.