Here Is How Car Insurance Add-on Covers Save Your Car During Monsoon

Here Is How Car Insurance Add-on Covers Save Your Car During Monsoon

Written by Deepak Bhagat, In General, Published On
October 21, 2021
, 30 Views
Last modified on November 3rd, 2021

The monsoon brings a host of challenges for car drivers in India. Heavy rainfalls result in water-clogged roads, driving on which can cause severe damages to a car. Moreover, even a comprehensive car insurance policy may not offer adequate protection against these damages. Therefore, it is best to opt for certain add-on covers during this monsoon season. You can also check for 토토사이트

What Are Add-on Covers?

An add-on cover refers to an extra coverage offered by car insurance providers for a slightly higher premium. You can include these add-ons under the comprehensive car insurance policy while purchasing the car insurance. Or, you can also opt for add-on covers when renewing your insurance plan.

Standard comprehensive car insurance policies do not provide coverage against engine failure or offer roadside assistance services. These are usually some of the most sought-after services during monsoons.

Therefore, add-on covers come in handy and make your vehicle monsoon-ready! Moreover, these are specific add-ons that protect your car, especially during the monsoon.

Some Useful Add-on Covers to Protect the Car During Monsoon

  • Engine Protection Cover

Damages to a car’s engine can be caused by leakage of lubricating oil, water ingression, malfunctioning components, etc. Moreover, repair or replacement of the parts of an engine is expensive. So, this add-on compensates an insured for such costs, thereby protecting your car’s engine during this season.

  • Consumable Covers

Consumable items refer to a car’s screws, nuts, bolts, engine, filter, bearings, gearbox oil, coolant, etc. However, the costs of these items are not covered by comprehensive insurance plans. So, if you avail of car repairing services, you need to bear the cost of consumable items.

Here, choosing consumable covers as an add-on can reduce your financial burden arising out of an accident during monsoons while offering an additional layer of protection.

  • Return to Invoice Cover

In the event of theft or irreparable damages, a return to invoice cover allows an insured to receive full compensation. As a result, one can get back the entire amount of his/her car’s invoice value, including the expenses incurred during a new vehicle’s registration, road tax, etc.

  • Zero Depreciation Cover

During an insurance claim settlement, the depreciation of repaired or replaced parts is taken into account. Thereafter, the insured is compensated accordingly. However, with zero dep insurance for car, one can nullify this depreciation. As a result, an insured can receive the full value of costs, replacements, and repairs during a claim.

  • Roadside Assistance Cover

When faced with an accident or breakdown, especially during the monsoon season, this add-on extends emergency assistance. Additionally, automobiles with a low ground clearance are more vulnerable to damages caused by water-clogged roads, which can lead to mishaps. So, a roadside assistance cover offers technical assistance to motorists as and when required.

There are a number of add-on covers that you can add to your comprehensive car insurance plan and safeguard your automobile. So, we suggest that you purchase a comprehensive plan and include suitable add-on covers to enjoy a broader coverage during this season.

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