Add this add-on cover to protect your car

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Like last year, normal rain is expected this year too after some initial delay This has also been confirmed by the Indian Meteorological Department (IMD). While the farmers benefit from the rains, it can increase the challenges for the car owners who live in areas prone to heavy rains, floods and water-logging. Monsoon rains can cause a lot of damage to the car, its engine can also get filled with water. To avoid such contingencies, taking an add-on cover can be a profitable deal.

You can save on the engine and other expensive parts by adding an add on cover to your vehicle insurance. In this type of insurance, you will usually get coverage for all types of damages. Due to this, you will not have to loose your pocket on the damage caused to the car due to rain. Experts say that for the safety of the vehicle, attention should be paid to its maintenance before the monsoon. People who have only third party insurance should take comprehensive insurance. Along with this, some necessary add on cover should be included in it. So let us know which are the add ons which should be included in the insurance.

Engine protection cover Generally, the comprehensive policy does not provide coverage for damages caused to the engine and gearbox due to water ingress. In such a situation, this huge loss can be avoided by adding on coverage. Some insurance companies cover damage to the engine as an add on. These include essential parts related to the engine such as cylinder head, piston and crankshaft etc. Those who have not yet taken engine protection cover should include it in their insurance immediately, because if the engine or its associated parts have to be replaced due to rain, it can cost lakhs of rupees.

Battery protection cover is also necessary Electric car buyers must include battery protection cover in insurance. Because the battery can be damaged if the vehicle is immersed in rain or waterlogging. Additional insurance can be useful to compensate for this loss. Because the battery is its life in an EV car, it is very important to take care of its safety.

Zero depreciation cover is useful During the monsoon, the vehicle also suffers a lot in road accidents due to slippery roads in the rain. In such a situation, zero depreciation add on cover can be very useful for you. Almost all types of expenses are covered in this. This is the reason why it is also called bumper to bumper cover. In this, the insurance company compensates the entire loss. However, in this insurance, you are given only 50 percent coverage on battery, tire and tube. The premium for this type of insurance is decided on the basis of the age of the vehicle ie how old the car is.