The arrival of the monsoons brings much-needed respite from the heat of the months gone by. Yet, the mucky roads and low visibility can spell trouble for motorists who are not careful. Trends show that road accidents peak during wet weather months. Now, you might drive carefully and maintain your vehicle in preparation for the rains but all it takes is one careless motorist driving with bald tyres to turn things awry.
So, what can you do to stay protected in such situations?
The answer lies in having comprehensive car insurance. This type of coverage for your vehicle will help safeguard you from such uncertainties that can lead to major financial loss. Now, while it is important to opt in for a good insurance plan, one must remember that the coverage has certain limitations. However, you can easily overcome these limitations by choosing add-ons to complement your plan. With that in mind, here are 3 car insurance add-ons that can be helpful during the monsoons.
- Roadside assistance
This add-on ensures that your vehicle gets a tow to the nearest authorized service center. The driver of the vehicle and passengers get a ride too in a cab arranged by the insurance provider. Moreover, this add-on may also offer benefits such as fuel delivery in an emergency and flat tyre servicing. These benefits are truly worth their weight in gold as you would not want to be stranded in the heavy rains in the event of a mishap or vehicle breakdown.
- Consumables cover
When your car goes for repairs arising from an accident, the consumables do not get covered under your claim. Consumables include things like oils (engine oil, break oil, etc.), nuts and bolts, screws, gas for vehicle air conditioner, and vehicle lubricants, among others. These items can run up a pretty high cost that could take a chunk out of your savings. So, be wise and include the consumables cover add-on in your car insurance policy.
- Engine protection cover
Floods can lead to your car getting submerged in water. This in turn can damage your vehicle engine and leave it in need of repairs. Now, most people are not aware that engine repairs are not covered under a comprehensive car insurance policy. Therefore, you need to add an engine protection cover to your base plan. This add-on is especially important if you live in a city/area that is prone to regular flooding and waterlogging. The extra protection this add-on brings will ensure that the cost of engine parts like the pistons, cylinders, and gearbox does not come out of your own pocket.
Having a basic car insurance is mandatory for all vehicle owners in India. However, it does make sense to upgrade to a comprehensive plan that offers better coverage. When buying car insurance, make sure to read the policy terms and conditions well so that you have all the details in place before paying your premium. We hope this article will help you out. Drive safe.