As the monsoon season nears, bringing relief from the heat, it transforms landscapes but poses vehicle risks. Infrastructure damage, waterlogging, and potholes can impact your car. Third-party insurance, a legal requirement in many countries, covers damages to others but not your vehicle. Does it suffice for monsoon damage? Let’s explore.
Potential Vehicle Damages During Monsoon
1. Lower Grip:
After heavy rainfall, road water stagnation can lead to aquaplaning, causing cars to slide over puddles due to reduced grip. Braking becomes challenging on wet surfaces, emphasising the importance of well-maintained tyres. Timely replacement of worn-out tyres is crucial to ensure optimal performance during the monsoon.
2. Physical Damage From Potholes:
Potholes, exacerbated by the monsoon, can cause severe damage to vehicles. The risk of losing control and colliding with other cars or road barriers increases. Larger potholes may even result in body damage. Drivers must exercise caution to navigate roads carefully, minimising the impact of these road hazards.
3. Machinery Malfunctions:
Driving through wet areas increases the likelihood of water entering the engine, leading to potential malfunctions. Water-induced engine issues can range from stressful breakdowns to complete failure, necessitating costly repairs. Regular car maintenance is vital, and addressing potential concerns before the monsoon season is advisable.
Importance Of Preventive Measures
Proactive steps can be taken to safeguard your car during the monsoon:
1. Car Repairs And Tire Inspection:
Conducting necessary car repairs and ensuring the proper grip of tyres are essential preventive measures. Addressing maintenance issues before the onset of the monsoon reduces the risk of breakdowns and enhances overall safety.
2. Comprehensive Car Insurance:
Opting for comprehensive online car insurance is highly recommended. Despite taking safety precautions, unexpected events can occur. Comprehensive car insurance protects against various risks, ensuring unforeseen damages don’t burden your finances. *
3. Monsoon Add-Ons for Enhanced Protection
Consider incorporating these add-ons into your insurance policy to bolster your protection during the monsoon:
4. Engine Protection:
Often referred to as the heart of a car, the engine is a costly component to repair. Low-ground clearance vehicles are particularly susceptible to engine protection add-ons and shields against such incidents, offering financial security for engine-related repairs. Claims are subject to terms and conditions set forth under the motor insurance policy. *
5. Consumables Coverage:
While comprehensive online car insurance covers many unforeseen events, consumables like engine oil, grease, nuts, and bolts are typically excluded. Consumables coverage ensures you don’t have to bear the expenses of replacing these essential parts after just one use. Claims are subject to terms and conditions set forth under the motor insurance policy. *
6. Roadside Assistance:
Monsoons can lead to vehicles getting stuck in flooded areas. Opting for roadside assistance ensures timely support, including towing to the nearest service facility. Skilled mechanics conduct thorough inspections and assist in restarting the vehicle, mitigating potential damage. Claims are subject to terms and conditions set forth under the motor insurance policy. *
Understanding the various car insurance benefits is crucial for drivers to make informed decisions and ensure comprehensive vehicle coverage in different situations.
The monsoon season challenges car owners, highlighting the importance of care and preventive measures. Awareness and recommended practices aid in smoother navigation. Choosing insurance riders like engine protection, consumables coverage, and roadside assistance enhances security for a resilient and enjoyable driving experience.
*Standard T&C Apply
Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.