Motor Insurance Plan: Cover Natural Disaster

Motor insurance is a mandatory thing as per India law. This is the minimum regulatory requirement before driving any form of motor vehicle on Indian roads whether it is a two wheeler for a four wheeler and whether it is meant for personal or commercial use. Any form of motor insurance plan whether meant for two wheeler or four wheeler available in the country today offers two form of insurance cover under any comprehensive plan. The first part is called the own damage cover and the other form is called the third party cover. As per the legal mandate the third party cover is the minimum requirement

Categorically speaking to understand what is covered under a comprehensive plan in laymen language can be explained under three heads

a. Bodily injury : In case it is the policy holder or any third person was get affected an accident are covered any comprehensive policy.

b. Property damage : Generally refers to the property of a third person which got damaged in course of accident of the vehicle or the anything happening during process of driving.

c. Repairable damage: In a case of accident the damage happening to the vehicle then most part of the damage repair cost is covered under a plan. In case of repairable damage things like electrical and non electrical accessories, damage due regular wear and tear and few others things are not covered under a regular comprehensive. You might have to take some add-on rider to get all those covered.For these additional rider the policyholder has to shed an extra amount of money which is over and above the premium of an regular comprehensive policy

Now looking buy motor insurance Online plans for specific damages happening due to Natural disaster like tornados, heavy rains etc are also covered under comprehensive insurance plan but there are certain things that need to be taken care of so that you can get the full claim settled.In most of the cases the all damages in these scenarios are covered under a comprehensive plan but in certain case you might have to taken an additional rider to get few things covered.Lets take a common example of engine damage this is a common things during rainy seasons. Due to improper drainage planning in Indian cities quite often the roads get overloaded with water during the rainy seasons. Cities like Mumbai and Chennai are some of the recent examples to quote. When your car in drowned in water the engine generally becomes moist and if you try to ignite your vehicle’s engine during this state the worst get affected part is the engine of the vehicle. It can technically block the engine. The cost of repair of the engine is also very heavy. In a scenario like the damage cost of the color, interior of the vehicle and other external damage may get covered under your comprehensive plan but not the repair to improve your damaged engine. Most of insurance providers generally offer a different add-on cover in this case so that you can help you to handle an emergency like this.

The rainy day scenario may be a common thing for people living cities like Delhi, Mumbai and Chennai. But keeping in perspective the Indian climatic conditions and weak crisis management of public bodies we should always look at Motor Insurance plans which offers comprehensive cover in case natural disaster also. While buying a plan you can opt to do comparison online by Motor Insurance Premium Calculator. and check for the best plans available from various insurers and should look for plan features which offers cover for Natural disaster best suited for geography where you generally drive your vehicle.

A right and justified decision taken to buy a motor insurance plan can help you save a lot of future cost and support you in planning you finance better

Buy Travel Insurance Online, from some of the largest insurance companies in India At myInsurancebazaar.com. You can compare premium & Buy Insurance Online Here.