JSMedia – A comprehensive car insurance plan may not cover all the costs of a natural disaster, such as flooding, but it is a good idea to get an engine protection plan. These plans help protect engines from water damage and are particularly helpful for the people affected by the Kerala floods. They also cover lubricating oil leakage, hydrostatic lock, and other calamities caused by the torrential rainfall.
While comprehensive car insurance plans cover many damages, they do not necessarily cover all of them. For example, a comprehensive plan will not cover an engine seizure, which can occur when the car starts in a waterlogged area or is driven through it. These types of losses can run into the thousands of dollars. These policies are not cheap and do not cover everything. If you have a large amount of damage to your car, it is best to consider adding an engine seizure coverage to your policy.
If you are in a flood-prone area, your insurance policy will cover damage to your car if it’s a total loss. Most policies cover flood damage, but some do not. If you have an accident and need to replace your car, this coverage will cover any damage to the car. In addition, it will cover any expenses that may arise due to flooding. The Insurance Regulatory and Development Authority of India has asked insurance companies to speed up the claims process and minimize paperwork.
Auto Insurance Add-Ons for Kerala Floods
Roadside assistance is another great add-on for your car insurance plan. During the Kerala floods, if you get stuck in a flood, it will be worth getting the roadside assistance cover. This will save your car. It will provide you with emergency fueling and towing services. Your insurance policy will also cover you in case of an accident, regardless of the cause. There is no substitute for quality service when it comes to the safety of your vehicle.
You can also opt for a roadside assistance cover. This will allow you to call for assistance 24 hours a day, and even if you have a flat tire, the roadside assistance service will change your tyres or provide emergency fuel. In addition, it will even provide a towing service for your car. All of these features will make your car insurance policy more valuable to you.
Aside from flood-related repairs, you should have a householder’s insurance policy as well. Not only will these policies protect your vehicle, but it will also protect your home and belongings. It is important to have these policies, as they can help you get the coverage you need. So, be sure to get one today. You’ll be glad you did! If you’ve had your car insurance, make sure to check if it offers emergency services.