TL/DR –
Delhi experienced its highest single-day rainfall in 88 years on June 28, causing significant flooding and damage. The flooding caused multiple challenges and damages, including engine damage, electrical system failure, and harm to vehicle interiors. To protect against these damages, comprehensive car insurance policies are available, although some may not cover all flood-related damage, and owners should consider add-ons like zero depreciation and engine protection.
Challenges Posed by India’s Heavy Rainfall
The recent monsoon has brought much-needed relief to India’s northern states, but it’s also presented significant challenges. On June 28, Delhi experienced its most substantial single-day rainfall in 88 years, leading to significant flooding, traffic issues, and power outages.
The Impact of Flooding on Vehicles
Floods can severely damage vehicles, causing serious problems such as engine failure, damage to electrical and electronic systems, rust, and odour. Water entering cars can also impact the interior, including the seats and panels. Car insurance policies need to protect against flood-related damages to avoid a heavy financial burden on owners.
Flood Damage and Car Insurance
Not all car insurance policies cover flood-related damage. A comprehensive policy generally covers accidents due to fire, flood, and theft, according to T A Ramalingam, Chief Technical Officer, Bajaj Allianz General Insurance. However, these policies may be subject to depreciation, and the policyholder may need to bear a portion of the repair cost.
Insurance Claims for Flood Damage
While a comprehensive car insurance policy provides coverage for flood-related damages, insurance companies can deny claims if the damage is due to the driver’s intentional action. For example, if a driver attempts to start a flooded car, resulting in engine failure, the insurance company may refuse to cover the damage.
Choosing the Right Car Insurance Cover
Given the increasing instances of heavy rainfall and flood, it’s essential to choose the right car insurance cover. Along with a standard comprehensive plan, one should consider add-on covers like zero depreciation and engine protection cover. These can provide protection against the cost of replacement parts, including engine oils and lubricants, and cover other areas such as roadside assistance, loss of personal belongings, and key and lock cover.
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