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There are two types of motor insurance policies. Standalone third party insurance and comprehensive motor insurance policy. Standalone third party insurance comes in handy in accidents etc. Whereas, a comprehensive motor insurance plan covers damages caused by natural calamities like floods, hurricanes and earthquakes. Insurance broker Babita Saxena says that for additional protection of the vehicle, along with the comprehensive cover, add-on cover should also be taken. For example, the engine protection cover covers damage to the engine during rainy days. There are many benefits of add-on cover According to Babita, if you live in areas prone to flooding, it is a good idea to take an engine protection add-on cover under a comprehensive motor insurance plan. Water can get into the engine during rainy days. This puts the engine at risk of damage. Engine is the most expensive part in a car. Its repair or replacement can prove to be very costly.

However, there are a number of exclusions that you need to be aware of. As a result, the claim may get rejected. The point to be noted here is that the add-on compensates the policyholders for damages caused to the engine due to waterlogging. But, if the car is driven in flood then it can be taken for negligence. This can lead to rejection of the claim. It also needs to be understood that a separate add-on cover cannot be purchased during the rainy season. It can be taken at the time of renewal of the policy or at the time of buying a new policy.

It makes sense to take a separate cover for accessories Car accessories are also prone to damage due to floods. A separate add-on cover can be purchased for this. This helps cover damage to accessories like rubber mats, headlight, wipers and mud flaps. Experts say that the most important thing in such occasions is to inform the insurance company about such a situation immediately. It would be good to make all the pictures and video clips. This makes it easy to settle the claim. The entire process is easily completed in the workshop without any difficulty.

This post is sourced from newspapers, magazines and third-party websites. For more information please check NewsDay Express Disclaimer.

Shehnaz is a Corporate Communications Expert by profession and writer by Passion. She has experience of many years in the same. Her educational background in Mass communication has given her a broad base from which to approach many topics. She enjoys writing about Public relations, Corporate communications, travel, entrepreneurship, insurance, and finance among others.

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