Vigilance While Buying Motor Insurance Can Help Avoid Losses

 

During the monsoon season, heavy waterlogging on roads increases the risk of vehicle damage and accidents, making it essential for motorists to review their insurance coverage carefully. Insurance experts caution that inadequate policies can lead to financial losses and claims rejections if proper precautions are not taken.

 

According to industry professionals, driving through flooded roads can cause severe damage to engines and electrical systems. Policies that do not cover such contingencies may leave vehicle owners facing high repair costs.

 

Tips for Protection

• Consider Add-On Covers:
  If you own an electric vehicle, consider purchasing engine protection and roadside assistance add-ons.
• Be Careful After Flooding:
  Do not attempt to start your vehicle if it has been submerged in water, as this can lead to “hydrolock” damage, which many standard policies do not cover.
• Regular Maintenance:
  Basic upkeep, like checking tires, brakes, and batteries before the monsoon begins, can prevent many emergencies.
• Right Insurance Selection:
  Choose comprehensive policies that include coverage for water damage, towing assistance, and extended protection options.

 

Uday Joshi, Chief Operating Officer at SBI General Insurance, said, “With the right coverage and a few precautions, motorists can travel safely during the monsoon. Policies today offer a range of features to tackle risks from water damage to accidental breakdowns.”

 

Experts also advise keeping emergency supplies and contacts handy to avoid inconvenience during sudden weather changes. Regularly updating your insurance coverage and understanding policy terms are critical to ensuring you’re adequately protected.