Get Your Car Insured Against Any Disaster

Insurance of any type provides financial support in a time of need. Similarly, motor insurance is a layer of financial protection you can buy to protect your vehicle during unfortunate events which could cause damage to the property, injuries or even death. These events include natural disasters like floods, fire, earthquakes, storms, hurricanes, and man-made disasters such as vehicles being damaged during riots and times of civil or military unrest.

These disasters can occur anytime and cause great damage to your belongings when you least expect it. We might get immediate medical care in case of natural calamities, but what happens to our vehicles? So, when natural disasters like floods, storms, earthquakes etc., occur, it becomes necessary to secure our cars and other belongings.

Just like our property, our vehicles can get seriously damaged if not destroyed. Hence, it is advisable to take steps beforehand to ensure your car is insured, with a comprehensive insurance policy in order to save the trouble to pay for the damages out of your pocket.

How does comprehensive car insurance help you?

The very first thing to understand is -when you get your car insured with a comprehensive car insurance policy, you can easily recover the cost of repairs, as your insurer covers the damages to your car in case of natural and man-made disasters. You will be reimbursed according to the terms of the insurance when you make a car insurance claim.

In India, a third-party motor insurance policy is mandatory by the Motor Vehicles Act of 1988. This policy covers an owner of the vehicle against any legal liabilities arising out of loss or damage caused to a third party or their properties. However, a third-party motor insurance policy does not cover the damages to your vehicle from disasters since this benefit is offered only with comprehensive car insurance plans.

Role of the car insurance add-on covers:

The degree of damage any disaster can cause to your car is simply unpredictable. It could be anything from the shattered windows during a storm to water entering the engine due to heavy floods. External damages such as dents are covered in the main car insurance plan and are easily repaired; engine damage on the other hand is a cause for serious concern and may not be covered in a comprehensive policy, which can be expensive and put a strain on your finances.

You can get an extra layer of protection for your vehicle along with comprehensive car insurance plans with various add-on covers.

Some of the add-on covers that can be useful to protect your car from disaster damage are as follows:

Engine Protection add-on cover: This cover offers compensation for expenses incurred while fixing the indirect damage done by water ingression or oil leakage leading to loss or damage to engine parts, differential parts, and gearbox.

Tyre Protection add-on cover: Tyres are a crucial component of any car that suffer a lot even in normal conditions, and they can get seriously damaged during a natural calamity. Hence, the tyre protection add-on cover is a smart addition to your comprehensive car insurance policy.

The above points prove that a comprehensive car insurance policy can be very effective in protecting you financially against damages caused to your vehicle due to unforeseen disasters.

Hence, it is always advisable to buy a comprehensive car insurance policy and protect your vehicle from any eventuality.

For more information, visit the Kotak General Insurance website.

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