Mumbai Rains: How to take care of your car in monsoon; top tips to know

Published: September 20, 2017 12:10 PM

A small amount of preparation like an appropriate insurance cover can help prevent your vehicle from getting damaged during monsoons and avoid unnecessary financial damage.

Mumbai Rains, car insurance, vehicle insurance,  how to keep your vehicle monsoon ready, Mumbai floods, Chennai floods, add-on coverThe Mumbai and Chennai floods in the past damaged over 80,000 vehicles, including two wheelers. (ANI image)

By Parag Ved

The unpredictable behavior of monsoons in India does not come as a surprise to us. While it brings a huge respite from humidity and heat, it also brings a fair share of problems, especially for your most prized possession – your vehicle! With its appealing thunders and showers, this season is also about potholes, clogged roads and traffic jams that often lead to unwanted damages to your vehicle. This season sees a lot of claims made against engine damage, breakdowns or even mishaps caused due to poor visibility or impaired roads. The Mumbai and Chennai floods in the past damaged over 80,000 vehicles, including two wheelers and declared over 20,000 vehicles as fully damaged. Not just the floods that crashed back then, but the recent heavy showers left us all misguided, leaving us and our essential belongings unprotected.

A small amount of preparation like an appropriate insurance cover can help prevent your vehicle from getting damaged during monsoons and avoid unnecessary financial damage.

How can you be better prepared and ready?

There are a few essential precautions that can be taken to protect your vehicle’s overall health.

The few precautions include the assurity of the maintenance and service of the vehicle parts. It is necessary to check if your tyres and spares, wiper blades and all the electric parts including lights and horns are in good and working conditions. It is all the more important to keep a check on the leaks within the vehicle and ensure that no metal parts are exposed in the rains which might end up rusting the vehicle body.

Along with these tests of your vehicle, the other important factor necessary for the safety of your vehicle and finances is the required vehicle coverage. Besides your third party liability cover, which is mandatory for the vehicle, a robust vehicle insurance policy is also a must. This robust cover will not only save you from the basic vehicle damages, but also from certain breakdowns caused to your vehicle like the damage of engines, electronic circuit, repair and replacement of parts.

A standard motor policy or third party liability coverage only pays for damages like an accident. However, during monsoons an add-on cover for your vehicle should be considered. Since your engine and electronic circuits are the lifeline of your vehicle, an extensive damage protection is important.

The add-on cover & other precautionary measures

An add-on cover is useful at the time of monsoon as it is helpful during eventualities like repair and replacement of parts for your vehicle, which would have otherwise costed you. The cover protects your engine related damage caused due to seepage of water in the engine or leakage of oil. An add-on also acts as your 24/7 assistant in any situation.

These add on covers are your best bet during monsoons as they not only save you from the damage of your vehicle but are also pocket friendly.

One must consider certain life hacks that can help make your monsoon pleasant. The hacks include:

# Avoidance of riding vehicles in heavy rains.

# It is advised not to start your car in the rains, as rains can impact the electronic machineries directly.

# One must also halt driving in water logged areas, to save unnecessary damage.

# In case your vehicle is stuck, it is advised not to push or restart the stalled vehicle, as it may only damage your engine and the electrical system.

A few points to always keep in mind include:

# Always carry a copy of the policy document in your car

# Keep the toll free number of the insurance company handy

# Register your claim at earliest

Your insurance coverage is your financial protector not only in the easiest of time but also during the trickiest of situations. May it be an expensive vehicle or the standard vehicle, a motor insurance policy will always come as a saviour to your investment and finances. And along with being monsoon ready, be vehicle monsoon ready.

(The author is Executive Vice President, Consumer Lines, TATA AIG General Insurance)

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