Car Insurance In Flood: If there is a lot of damage to your vehicle due to flood, then whether the insurance company will pay for it or not, it depends on the insurance policy you have bought. Flood damage is covered only if you have an insurance cover for it, it is not mandatory. Many insurance companies cover damages caused due to natural calamities like flood, earthquake, cyclone, etc. on the car policy, as well as damages due to accidents, fire and theft. To compensate for the loss due to any damage like flood, you must take an add on cover for this from the insurance company. Although it will definitely cost you a bit, but it will compensate for the damage caused to your vehicle due to floods, which is a profitable deal in a sense. Here today we are going to tell you about some of the main types of damages caused to your vehicle due to floods.

engine damage

Water entering the engine of a car due to flooding can cause partial or complete damage to the internal parts of the engine.

gearbox damage

Water entering the gearbox can result in complete or partial failure of the unit and can be costly to replace.

electronic damage

Water damages electronic equipment that runs on electricity. This can cause a short circuit in electronic or electrical components, which can damage expensive equipment.

damage to upholstery

The interior of the vehicle like mats, seats and other items can get damaged due to water ingress and excess moisture.

what can be covered

engine protection cover

There is a possibility of damage to the engine of the car due to the entry of flood water. General insurance does not cover damages caused to the engine of your car. However, you get cover for repair or replacement of damaged parts of the engine with add-on services.

No Claim Bonus Protection Cover

When you make an insurance claim during the policy term, you will not get this benefit, however, even if you file a claim, you get up to 50% on the NCB protection cover if you do not make a claim for five consecutive years.

return on invoice cover

If your car is heavily damaged due to floods or is stolen, with a return to invoice cover, you can claim the purchase price of the car from the insurance company.

key replacement cover

All new age cars have a central locking system, which can get damaged due to flood water. Through this add-on, if your car key or lockset is damaged due to flood water, the cost of replacement or repair of the lockset will be covered.

Road Assistance Cover

With this add-on, you will get 24×7 emergency assistance along with a host of other benefits in case your car gets stuck in a flood.

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