With the start of the monsoon season, flooding is a growing concern in many parts of the country. We recently saw Delhi deal with floods after the rain, and this concern is something many face in India. The biggest worry for most car owners is what to do if the car is flooded? Can it be fixed? Will insurance cover the damage caused by flooding?
We have already covered a detailed process of what to do if your car is flooded and how to save the vehicle. Now, the next question is if insurance will cover the costs of a flood-damaged car. The answer is yes. Here are more details.
Car insurance for flood-damaged vehicle
Car insurance covers damage caused by flood, however, only the comprehensive package does so. A comprehensive insurance package covers damages caused by floods, earthquakes, cyclones, fires, and other man-made calamities, including theft. However, a comprehensive insurance package is optional and is not mandatory.
It is always a good idea to assess the area you live in and opt for a comprehensive cover if the area is prone to flooding, or any other natural calamities. Also, what one needs to keep in mind is that insurance might not cover engine and gearbox damage, so speak to your insurance provider and get the necessary add-ons to protect the engine, gearbox, and other options.
How to claim insurance for flood-damaged vehicle
To claim insurance, one must first inform the insurance provider immediately. Click as many photos of the vehicle as possible, along with videos and update the insurance provider. Next, gather all necessary documents related to the car such as a copy of the insurance, vehicle RC, owner’s details, address proof, driver’s licence, etc.
Once documents are sorted, claim for insurance online. Most insurance providers have an online claim method for insurance claims and follow the steps. Once the necessary documents are in place, and the claim form is filled, a person from the insurance company will get in touch with you at the earliest.