It never drizzles, but when it does, it pours, causing the worst car damage. This is more likely to be the case in cities where floods and waterlogging are common. While you may be able to ensure your safety by staying at home and avoiding the outdoors, your car may have no option but to face the floods. This can cause your car damage in various ways, and it would need repairs on a regular basis. Repair fees after a flood can be high. But if you have full coverage car insurance, you don’t have to worry too much about costs.
A comprehensive car insurance renewal online covers damages that may occur due to natural disasters such as storms, earthquakes, cyclones, and floods, amongst other calamities.
Here are more things that might help with car protection during floods:
An ‘Engine Safety’ Add-on
Experts say that people living in areas prone to flooding or waterlogging should ensure they have an “engine protection” add-on to their full-coverage auto insurance plan. *
Water can get into the engine and make it more likely to break. The engine is one of the most expensive parts of a car, and it can cost a lot to replace or fix it. Remember that the add-on may protect owners from engine damage caused by water ingestion. However, the claim may not be accepted if the vehicle is driven during a flood. This is because it may be seen as contributing to the damage.
Cover For Invoice Safety
Customers should also try to get a cover for their bills. This add-on pays for the difference between how much the car is covered and how much it costs to buy. You only need to use the car insurance check app to determine your payout.
Add-on For Things You Use Up
Consumables are also not covered by the coverage, so you’ll have to buy an add-on cover for the same. Consumable car expenses can include engine oil, braking oil, coolant, gearbox oil, and so on.
Because these are used or worn out all the time, they need to be changed or refilled often.
How to File a Claim For a Car After a Flood Damaged It?
If storms damage the car, you should tell the insurance company immediately. Gather solid photos and video proof that you can show the surveyor when the vehicle is being inspected. This will ensure everything goes well at the workshop and the claim is settled without a hitch.
If they’ve done their car insurance renewal online, customers can report a claim by calling their insurance at the number given by the call centre. You can find the number on the insurer’s website or app. It may also be in the PDF of the policy sent to the customer in an email. Customers can also email the insurance partner to let them know about a claim.
After calling their insurance company, customers can take their cars to any garage they want or pick one from an extensive nationwide network of garages. Once the repairs are done and the bill is paid (either by the customer or by the insurance company straight to the garage partner), the customer’s car is ready to go again.*
Get insured anytime, anywhere! Check out the Bajaj Allianz General Insurance website to learn more and download the app now.
*Standard T&C Apply
‘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.‘