The monsoon brings much-needed relief from intense heat, but it also presents challenges for car owners. Heavy rain, waterlogging, slippery roads and low visibility can increase the risk of accidents and damage. If you own a car, ensure your insurance coverage is comprehensive to avoid unnecessary hassles and costs associated with monsoon-related damages.

Let’s break down practical insurance coverage tips and general precautions to keep your car safe this monsoon.

Understand your motor insurance policy

Before the rains hit hard, take time to understand your existing car insurance policy. Many car owners only have a third-party insurance policy because it is mandatory by law. However, this does not cover damage to your own car.

Key types of motor insurance

• Third-party insurance: Mandatory by law. Covers damage or injury caused to a third party by your vehicle.
• Own damage insurance: Covers damages to your car by both man-made and natural disasters.
• Comprehensive car insurance: Includes third-party cover as well as own damage cover for 360-degree protection.

During monsoon, a comprehensive car insurance plan is highly recommended. It protects you financially from rain-related damages.

Opting for important add-ons

A standard comprehensive plan might not be enough for heavy monsoon conditions. Add-ons provide extra protection.

Useful add-ons

• Engine protection cover: Normal car insurance doesn’t cover engine damage due to water ingress. But this add-on covers expensive engine repairs.
• Zero depreciation cover: Helps you get a full claim amount without considering depreciation on parts.
• Roadside assistance cover: Essential during monsoon when a car can break down unexpectedly on the road.
• Consumables cover: Covers costs of nuts, bolts, lubricants, etc.

Discuss these add-ons with your insurer or check on your car insurance app. Add-ons cost extra but can save a huge amount in the long run.

Check your policy expiry and renew on time

Many forget policy renewal dates. If your policy lapses, you lose all benefits and drive illegally.

• Set reminders to renew your car insurance policy on time.
• Renew through a trusted car insurance app for hassle-free processing.

Inspect and maintain your car regularly

Insurance claims are easier to process if your car was in good condition before an accident.

Must-do checks

• Tyres: Check tyre tread depth for good grip on wet roads.
• Brakes: Ensure brakes are responsive.
• Wipers: Replace old wipers for clear vision during rainfall.
• Headlights and indicators: Must work properly for better visibility.
• Battery: Wet weather can drain your battery faster.

Keep your car serviced and clean. Regular maintenance can reduce claim rejections.

Avoid waterlogged areas

Driving through flooded roads is risky and may damage your car’s engine and electrical parts.

• Use maps to find alternate routes.
• If stuck in water, do not restart the car immediately, as it may worsen engine damage.

Park in safe spots

Heavy rain and storms can cause falling trees or water accumulation, which may damage your car.

• Park your car in covered or elevated spots.
• Avoid parking under trees or in low-lying areas.

Proper parking minimises the chance of damage.

Know the claim process

In case of damage, raise a claim quickly.

General steps:

• Inform your insurer immediately.
• Take photos/videos of the damage.
• Avoid repairing the car without informing the insurer.
• Use your insurer’s car insurance app to file claims faster.

Being prompt helps you avoid claim rejection or delays.

Be aware of exclusions

Even the best policies have exclusions. Know them to avoid surprises.

Common exclusions:

• Accidents or damages while driving without a valid driving licence.
• Drunk driving.
• Deliberate damage.
• Using a private vehicle for commercial use.

Always drive responsibly and follow traffic rules.

Benefits of digital insurance apps

Using a car insurance app makes it easy to manage your insurance. Here is how:

• Quick policy purchase and renewal.
• Instant claim intimation.
• Track claim status.
• Access to emergency services.

Useful Monsoon Driving Tips

Good insurance is your safety net, but careful driving is your first line of defence.

• Drive slow in heavy rain.
• Maintain a safe distance from other vehicles.
• Use headlights and fog lights in low visibility.
• Avoid sudden braking and sharp turns.

Conclusion

Roads during monsoon are unpredictable, but your car’s safety need not be. Stay proactive by updating your insurance, adding the right covers and driving responsibly. Download a trusted car insurance app, get timely renewals and ride stress-free.