There are mainly two types of car or bike insurance, third party and comprehensive. Third party insurance mainly covers the damage caused to other people’s vehicles. On the other hand, comprehensive insurance compensates for the damage caused to your car along with the third party.
The rain before the arrival of monsoon has given relief to people from the heat, but the problems of drivers have increased. Cases of water logging on roads, streets and basements are coming from the first rain itself. In such a situation, if you travel by your car or bike, then its engine can get filled with water. Once water enters the engine, it is very expensive to get it repaired. In such a situation, if you do not have the right insurance cover for the vehicle, then you may have to bear the expense from your pocket.
Car or bike insurance is mainly of two types, third party and comprehensive. Third party insurance mainly covers the damage caused to other people’s vehicles. At the same time, in comprehensive insurance, along with the third party, the damage caused to your car is also covered. Let us know how you can benefit from insurance if your car is damaged by water.
Comprehensive insurance will come in handy
Comprehensive insurance also covers damage to the vehicle due to natural disaster, fire, water and theft. If the engine of your vehicle gets damaged due to water, then it can be repaired with comprehensive insurance cover. This will save your pocket from getting empty. However, this policy is optional. Therefore, while buying car or bike insurance, do check whether the company is providing cover for damage caused by natural disasters or not.
You can take add-on insurance
You can take add-on insurance cover for your vehicle. This is in addition to your basic insurance cover. It can include insurance like zero dep, personal cover, road side assistance, engine protection cover, NCB protector, key and lock replacement etc. In the same way, you can take separate insurance for the engine of the vehicle.
Keep these things in mind
While buying a car, make sure to get a comprehensive insurance policy. If there is any damage, immediately inform the insurance company. Apart from this, if water has entered the car’s engine, never try to start it. In case the car sinks or gets flooded on the road, take a video recording and photo immediately. This will serve as proof for you. While making an insurance claim, present the necessary documents as soon as they are required.
