Here is how car insurance can protect your car amid monsoon

In India, the monsoon rings the concluding knell for scorching summer. It soothes the earth, air, and the sun-burnt souls of the Indian populace. Therefore, people love it when it rains. During the monsoons, nature seems to rejuvenate itself and spread freshness all around.

However, while the monsoon is relaxing for people, it is not that great for their cars. Moisture and machines have a long-known enmity, and cars are no different from other machines. Every moving part under the belly of a car is at constant risk of malfunction while driving through a water-logged road, or even when parked at a location that is prone to water-logging. Water can enter the car’s engine through the exhaust. When it does, it can stall the engine instantly, marooning the passengers in the middle of the road.

Getting stuck on the road is still better, considering what happened in Mumbai recently. A car parked outside a residential complex in Ghatkopar sank inside a sinkhole in a matter of seconds^[1]. The municipal corporation later explained the reason behind the incident, blaming incessant rain as the cause. It didn’t help either that the parking area was constructed over an old well.

Next to the damaged car, many other cars were spotted standing, completely unharmed. Either they were fortunate enough to dodge the catastrophe, or the car that sank was running terribly low on luck. Whatever be the luck factor, the accident left all the car owners traumatised. However, there is one better way than luck to safeguard the owners’ interest in such cases: car insurance. 

Choosing the right Insurance Policy

A comprehensive car insurance policy protects the car and saves the owner from huge expenses if there is any accidental damage to the car. Comprehensive car insurance plans cover the costs to repair damages, replace parts, etc., if the car is involved in an accident, or even a natural disaster like incessant rains, cyclones or earthquakes. Car insurance has become even more important in recent times when India has been witnessing extreme monsoon conditions^[2] with many studies revealing that extreme precipitation events are rising in large parts of the country. Scenes of vehicles submerged in flood water are common these days. Monsoons also lead to road cave-ins, potholed and damaged roads, and general low visibility on roads that can lead to accidents and higher wear and tear of the vehicle, leading to higher maintenance costs. Moreover, rain can also lead to accidents through a combination of factors that degrade the driving environment, including a loss of friction between the tyre and road. 

Moreover, extreme weather conditions are not restricted to monsoons either. Since 2019, India has also recorded eight cyclones causing major damages to personal and public property, including motor vehicles^[3]. Not to mention, comprehensive car insurance covers the damages caused to the owner as well.

In India, every car owner is legally liable to buy car insurance, or third-party insurance to be more specific. While comprehensive car insurance most effectively favours the owners, third-party car insurance only pays for the damages caused to any third party. In an accident, the car owner is bound to compensate for the damages caused to the victim or others’ property. Having a third party car insurance takes care of that on behalf of the insured. But bear in mind, it does not cover the damages caused to the owner or the insured car.

Where to get a good Car Insurance?

Generally, people buy car insurance at the time of purchasing the car from the dealer. However, one may choose to not go with the dealer’s choice and purchase insurance from other insurance providers. For example, there can be a situation where the car owner may want to specifically insure his vehicle from Bajaj Allianz General Insurance because of the many benefits the insurer offers. In that case, the car owner can visit the website of Bajaj Allianz and buy car insurance online. 

With a network of over 4,500 garages and 6,500 hospitals, Bajaj Allianz is a one-stop insurance provider, among the largest in the country. You can avail cashless claims in all its network garages if bought with car insurance. Moreover, at the time of car insurance renewal, Bajaj Allianz offers up to 50 per cent No Claim Bonus based on the terms and conditions. The best part is that you can complete the entire process of purchase or renewal in under three minutes on the Bajaj Allianz website. Additionally, the insured can raise claims and get them settled instantly using the dedicated Caringly Yours App.

Not only does the company have an unmatched claim settlement record, it also lets you choose from a number of riders using which you can customize the policy as per your needs. From zero depreciation cover to engine and gearbox protection, and from key and lock replacement to coverage for consumables like filters, gaskets, washers, lubricants, bearings, nuts and bolts and even air-con gas, Bajaj Allianz’s car insurance policies cover everything. You can also choose their 24x7 Roadside Assistance add-on that covers almost everything from towing to a garage, assisting with jump-start, minor repairs, and even arranging a taxi ride to accommodation of one’s choice. You can really stay worry-free on the road as Bajaj Allianz would take care of everything.

In a nutshell

The monsoon is here in full swing, and car insurance becomes more vital than ever. For car owners who already have a car insurance policy, make sure the coverage is adequate. If the car insurance is approaching the terminal date, it is time for the car insurance renewal at the earliest. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

Source:
[1] https://indianexpress.com/article/trending/viral-videos-trending/mumbai-rains-car-falls-into-sinkhole-in-ghatkopar-scary-video-goes-viral-7357207/

[2] https://e360.yale.edu/features/as-the-monsoon-and-climate-shift-india-faces-worsening-floods

[3] https://www.indiatoday.in/india-today-insight/story/why-cyclones-are-picking-up-on-india-s-west-coast-1804558-2021-05-19

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