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| It is important that you take due care when you make a claim as well as be aware of admissible and non-admissible claims. As monsoon picks up in the coming days, one should be prepared to bear the agony of driving through waterlogged roads and ensuring that your vehicle is not parked in an area that is prone to water accumulation or flooding. |
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Though you may have a motor insurance, it is important that you take due care when you make a claim as well as be aware of admissible and non-admissible claims. While most of the damages and losses to your vehicle can be taken care of by the insurance cover, there are some claims that are not payable under the basic motor insurance.
DAMAGES COVERED
During rains, your vehicle may be more prone to some damages, mainly to the upholstery and equipment such as the music system or the AC in case water seeps in when while driving through water-logged roads. These costs are covered under the basic motor insurance policy.
However, there may be some deductions for replacement of plastic or fibre parts due to depreciation and this usually ranges between 30% and 50%. The difference would have to be borne by the policyholder. Also, if you start your car while it is still submerged in water, damage to the engine is highly likely. On starting the engine repeatedly, it may cause further damage and will cease to function.
This phenomenon is known as hydro-static lock and is one of the most common reasons for damage to vehicle engines during monsoons. Such a consequential damage is not payable under a regular motor insurance policy. You may have to call the towing agency or the insurer who can arrange to tow the vehicle and these charges are payable. However there are some add-on covers like depreciation cap and engine protector which would cover such specific claims.
RISKS OF DRIVING ON WATERLOGGED ROADS
While driving on waterlogged roads, your vehicle’s engine, upholstery, front or rear bumpers may get damaged due to skidding on slippery roads, and so on.
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