How do add-on covers on comprehensive car insurance help you keep your vehicle monsoon-ready?
New Delhi : Monsoon is one of the most challenging seasons for driving. The slippery road surface becomes extremely inconvenient and risky. Besides skidding and its consequential damages, individuals may face other potential issues, such as engine breakdown, component malfunctions, etc., owing to the clogged water after heavy rain.
All of these pose a significant threat to vehicles. Although comprehensive motor insurance provides extensive coverage for both own and third-party damages, add-on covers like engine covers, consumable covers, etc., can ensure the maximum safety for vehicles during the rainy season.
Importance of including add-on covers within the comprehensive insurance policy
A comprehensive vehicle insurance policy provides coverage against the damages caused to third-party properties/people and individuals’ vehicles. However, there isn’t any coverage for certain types of damages that may sometimes become crucial. For example, individuals have to pay for repairing engine damages, changing gear oil, etc., from their pocket even after having a comprehensive car insurance policy.
Add-on covers on the comprehensive vehicle insurance plan provide supplementary financial protection against additional damages. This way, they can repair impacts caused to their vehicles without paying from their pocket.
Protections given by add-on covers during monsoon season
Here are some essential protections that suitable add-on covers can give for ensuring maximum protection of insured vehicles during the monsoon season:
• Financial security
The chances of accidents increase during the monsoon season due to water clogging, wet road conditions or reduced visibility during a heavy downpour. The wear and tear damages also tend to aggravate.
By including add-on policies such as depreciation covers, consumable covers, etc., individuals can ensure that they have to bear almost zero expenses while servicing their vehicles after any road mishaps. These add-ons offer a financial cushion against potential car damages during monsoon.
• Protection against engine issues
Engine breakdown is a common issue that individuals face during the monsoon season. The clogged rainwater from roads may enter the engine, causing it to malfunction.
To get financial protection against this, buying an engine protection cover with their comprehensive car insurance policies is better. It will help avoid worrying about engine-related issues and subsequent repair or replacement expenses.
• Roadside assistance during a breakdown
Policy owners can get on-road assistance from their insurance provider if they get stranded due to a car breakdown. Insurers send mechanics to the location to give necessary servicing, including car towing, tyre changing, etc. They also ensure quick assistance reaches customers if they lose their keys or the fuel exhausts them.
All these benefits become significant during monsoon season. The insurers manage all the inconveniences on their behalf.
• On-call assistance for minor damages
Individuals can also ask for on-call assistance from insurers. Their insurers will connect them with car experts who can guide them to repair minor damages or defaults that can be easily repaired. This way, they can deal with minor issues conveniently in a hassle-free manner.
Top add-on covers for making vehicles monsoon ready
Following are some add-on covers that can be of significant help during the rainy months:
• Zero depreciation cover
The values of the vehicle and its parts get depreciated with time. As a result, insurers do not pay the full price of the replaced parts. This add-on cover will help them avoid this; as a result, they do not have to pay any amount from their pocket during servicing.
• Consumables cover
The consumables cover gives coverage against the cost of gearbox oil, engine oil, AC gas, oil filter, distilled water, etc.
• Engine protection cover
This add-on cover gives coverage for repairing or replacing the car engine, gearbox, hydrostatic lock, etc.
• Roadside assistance cover
With this add-on cover, you can get on-spot mechanical assistance or ask for guidance to repair minor impairments.
Individuals can now easily purchase these add-on covers with a comprehensive vehicle insurance policy from Bajaj Finance. You can choose from a range of motor insurance policies that come with affordable premiums.
In conclusion, individuals need to ensure maximum financial security for their vehicles. You can broaden the coverage of comprehensive insurance policies with appropriate add-on covers.