Even though you’ve opted for a comprehensive car insurance policy, it doesn’t mean you’re fully covered if something happens to your car. In fact, damage due to waterlogging, flood damage and replacement seats are generally not covered by insurance.
This becomes especially problematic during the monsoon season as the chances of damage to your car due to water and other natural causes increase significantly. This is where insurance add-ons come into play.
Although these insurance add-ons increase the insurance premium, they come in handy when something goes wrong during the monsoon season. As such, here are 4 car insurance add-ons that you must consider this monsoon season.
Engine protection cover complement
The engine is often the most expensive and crucial component of a car. During monsoons, any water related damage could end up being very expensive and most insurances do not cover ‘hydrostatic lock’. In such cases, this add-on will cover most of the damage to the engine during the monsoon.
Roadside assistance
When the car is flooded or damaged by water, it is better not to start the car as it may cause more damage. In such cases, the 24×7 roadside assistance cover comes in handy and covers roadside assistance and towing expenses.
Zero depreciation coverage
The zero-depreciation insurance add-on is very useful if you plan to spend no money out of pocket on repairs. With this add-on, the policyholder will be reimbursed for the full amount of the damage and not just the depreciated value of the vehicle/components.
Cover of consumables
This insurance add-on even covers consumables like engine oil, coolant, brake oil, etc. This makes this add-on worth having and significantly improves peace of mind during this monsoon season.
Thoughts on insurance add-ons
With the insurance add-ons mentioned above, most of the damages that are likely to occur during the monsoon season on a car are covered. This ensures peace of mind and also saves a lot of money even if something goes south.
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