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Does Your Car Insurance Cover Flood Damage

Engine damage in cars due to floods and water ingression is common during monsoon. It’s important to know if your car insurance policy covers such damages or not.

  • 19 Nov 2021
  • min read

Does Your Car Insurance Policy Cover Damages Due to Flood?

Monsoon has already arrived in most parts of the country. Although, lesser people are seen on roads due to the Covid-19 pandemic, those who need to take their cars out should be ready to face water-logged conditions. As per the Meteorological Department of India, various parts of the country, including Kolkata, Delhi, and Mumbai can witness moderate to heavy rainfall this monsoon.

So, before you take your car out of the parking lot and face the wrath of this season, it’s important for you to know about a few things. First of all, you should know how to drive if it’s raining and what to do if you witness water-logged streets. Also, you must procure a comprehensive car insurance policy (if you don’t have it already) to stay financially protected against the adverse situations.

But, do you know if a comprehensive car insurance plan cover damages caused due to water ingression or flood? Is it enough to provide you an adequate coverage during the threatening monsoon season? What should you do if your car gets submerged in water? Continue reading to find answers to all such questions.

Does your car insurance policy cover damage due to water ingression?

There can be no specific answer to this question. That’s because it largely depends upon the type of car insurance policy you have purchased for your car. In case of a standalone third party car insurance, no damages will be covered by your car insurance policy as it covers only the damages sustained by an unknown third-party and not your own car.

On the other hand, a comprehensive car insurance policy may cover the damages due to water ingression or flood, but only partially. It’s because although a standard comprehensive car insurance policy provides coverage against all types of natural disasters, including flood, inundation, storm and water ingression, any damage to the car’s engine is usually excluded.

It means that the damages to the car’s body and its parts would be covered but any damage to its engine won’t be covered by a standard car insurance policy.

During the monsoon season, instances like water ingression due to flood and waterlogging on streets, hydrostatic lock or starvation of lubricants, leakage of oils etc. are very common. These incidents can cause temporary or even permanent damage to a car’s engine and gearbox.

What’s the way out?

As mentioned above, a normal car insurance policy with own-damage cover protects car’s body and other mechanical parts but it does not cover any damage to its engine or gearbox. In such cases, the car owner may have to pay for the losses out of his/her own pocket. However, there is a way through which you can get these damages covered by your car insurance policy.

What you can do is add an Engine Protection Cover to your motor insurance policy while buying or renewing it. The engine protection cover is an add-on cover or rider that you can attach to your basic car insurance policy to enhance its coverage at a nominal addition to the premium amount.

An engine protection cover provides protection against any damage to the internal parts of an insured car’s engine and gearbox, arising due to water ingression or leakage of lubricating oils. These are usually not covered by standard comprehensive car insurance policies.

You can also supplement your policy with a zero-depreciation car insurance cover. A zero-depreciation cover negates the impact of the depreciation on the insured car’s parts. It means that even if your car is five years old, you will get full compensation for any damage to the car’s engine or body, without the depreciated amount coming into the play.

Also read:

Tips to follow while your car is submerged in water

We have discussed how you can modify your car insurance policy to ensure adequate coverage against the damages due to water ingression or floods. Now, let’s pay attention to how you can minimize the damage to your car in case it gets submerged in the water. Below are the tips you should follow:

  • Don’t attempt to start the car by switching on the ignition as it can cause permanent damage to the engine and lead to its seizure.
  • Disconnect car’s battery and ask for towing services to take it to a nearby garage or your residence.
  • Do not try to start your car even if the water has receded. Wait for a few hours.
  • Ask your mechanic to apply a rust-proof coating on your car to protect its body from rust due to water or moisture.
  • If you notice any abnormality in brake pads, discs, lines, clutch, or gearbox, get it checked by a mechanic without any delay.
  • Avoid driving on water-logged streets as much as possible.

The final words

It’s important to follow all safety measures and be adequately prepared to keep your car safe from the wrath of the monsoon season. A comprehensive car insurance policy with engine damage cover can save you and your finances in case your car suffers damages due to water ingression or any other natural calamity.

As a leading general insurance company, ICICI Lombard offers a comprehensive car insurance plans for car owners and buyers. With us, you can get car insurance online instantly. To know more.

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