Don't Let Monsoons Drain Your Wallet - Safeguard Your Car with These 4 Essential Add-On Covers

During heavy rainfall or waterlogging or floods, water can enter the vehicle and seep into the engine and damage it, this time add-on covers or riders can help you!

1. Engine Protection Cover
It is crucial to buy an engine protector add-on to safeguard your car engine from losses due to liquid ingress. If you repeatedly try to start your car while it is submerged in water, the car could break down. Repairing the engine could be costly. Such engine damages are not payable under a regular motor insurance policy as it is considered consequential damage.

2. Roadside Assistance comes to your rescue during an emergency
Vehicle breakdowns are most common during monsoon season. In case you are stranded in a waterlogged area and unable to move your car, opting for 24×7 Roadside Assistance add-on cover can be beneficial

3. Zero-depreciation Cover ensures total coverage in parts replacement
With this add-on, the policyholder can recover the maximum amount without considering depreciation, as the insurance company covers the total cost of the replacement parts

4. Cover for Consumable add-on ensures no payment even for consumables
This add-on covers the cost of consumable items such as engine oil, coolant, and brake oil, which are required during repairs due to damages caused by floods, water-logging, or accidents during the monsoon season.

While there are other add-on covers, the ones mentioned above are the most used by consumers due to their relevance and significance during monsoons.

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Don't Let Monsoons Drain Your Wallet - Safeguard Your Car with These 4 Essential Add-On Covers

During heavy rainfall or waterlogging or floods, water can enter the vehicle and seep into the engine and damage it, this time add-on covers or riders can help you!

CoverMitra Insurance Broking Pvt. Ltd. is an IRDAI-authorized insurance broking firm that aims to simplify insurance for its customers to make Smart Choices.

IRDAI License No. 600 Valid till: 01/06/2026

Incorporation date 10/10/2016

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What’s Covered in Fire Insurance?

Loss or damage caused by fire
Loss or damage due to natural heating, fermentation, or spontaneous combustion
Losses or damages resulting from implosion or explosion are covered under fire insurance. This includes damages caused by internal pressure, bursting of boilers, gas explosions, etc.
Fire insurance typically covers losses or damages caused by natural calamities such as earthquakes, volcanic eruptions, storms, cyclones, typhoons, hurricanes, etc.
Fire insurance may also provide coverage for losses or damages caused by malicious acts, including arson, riots, strikes, or civil commotions.
Terrorism (subject to policy clauses): Some fire insurance policies may include coverage against losses or damages caused by acts of terrorism, subject to the specific terms and conditions mentioned in the policy.
Bursting and overflowing of water tanks, pipes, and apparatus (under building insurance): Fire insurance policies that include building insurance coverage may cover losses or damages resulting from bursting or overflowing of water tanks, pipes, or apparatus within the insured premises.
It is recommended to review the policy documents or consult with the insurance company to fully understand the coverage provided by a fire insurance policy.

What is Not Covered Under Fire Insurance?

1. Arson: Intentional fire-setting or fraudulent activity.
2. Vacant or unoccupied property: Extended periods of vacancy.
3. Acts of war and terrorism: Damage caused by war or terrorism.
4. Nuclear incidents: Damage from nuclear reactions or radiation.
5. Wear and tear or lack of maintenance: Gradual deterioration or neglect.
6. Consequential losses: Indirect or business interruption losses.
7. Illegal activities: Fire damage resulting from illegal acts.
8. Specific property types: Certain high-risk properties or violations.

Remember to refer to your policy documents for precise details

What is Not Covered Under Fire Insurance?

Remember to refer to your policy documents for precise details