Скачать или смотреть HOW TO CLAIM CAR INSURANCE FOR FLOOD DAMAGED CARS | CAR FLOOD INSURANCE | FLOOD DAMAGE

HOW TO CLAIM CAR INSURANCE FOR FLOOD DAMAGED CARS | CAR FLOOD INSURANCE | FLOOD DAMAGE

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Each year we witness flash floods and heavy rainfall in several parts of India. But while the news usually centres around the damage it causes to houses; flooding can also cause severe damage to cars. If a flood damages your car, you will need to contact your insurer (in this case ACKO) to see if they can cover the cost to repair the vehicle. Here’s all you need to know about car flood insurance and how to claim against car insurance for flood damage.


Insurance Claims for Flood Damaged Cars
Contents

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Car flood insurance: Does car insurance cover flood damage?
Types of flood damage
Which car insurance covers flood damage?
Best car insurance add-ons to protect against flood damage
Steps to register an insurance claim for flood-damaged cars
Tips to follow when your car is submerged in a flood or water
Steps to overcome flood damage to cars
Frequently asked questions
Car flood insurance: Does car insurance cover flood damage?
Whether or not your car insurance covers flood damage depends upon the insurance plan you have purchased. Flood damage is only covered if you have comprehensive coverage, which is optional and not mandatory like Third-party insurance. The Comprehensive Car Insurance Policy covers damages to your car caused by natural calamities such as floods, earthquakes, cyclones, etc. It also covers damages due to accidents, fire, man-made calamities, and theft.

It is always a good idea to consider the extent of insurance coverage you require before you are subjected to something like flood damage. Flood damage can cause severe damages and result in the reduction of the car value. It can lead to expensive repairs and, in some cases, even a total loss (damaged beyond repair). While the Comprehensive Car Insurance Policy may cost you more, it could end up saving you a lot of money during such unexpected losses.

Types of flood damage
Here are the main types of damages caused by a flood to your vehicle.

Engine damage: Water seeping into the car engine caused by a flood can cause partial or total damage to the engine’s internal parts.

Gearbox damage: Water ingression in the gearbox can cause the unit to malfunction or could be completely unusable.

Electric and electronic damage: Water can cause damages to electrical and electronic functions. It can cause a short circuit to the electronic or electrical components, or the warning lights on the dashboard could malfunction.

Upholstery damage: The interiors could be damaged due to the dampness caused by the water ingression. This includes the carpet, seats and other soft furnishings.

Which car insurance covers flood damage?
Flooding can occur unexpectedly, and it is vital that you have the right insurance coverage for your car in case of flood damage. Fortunately, car insurance does cover flood damage. But, for that, you need to buy a Comprehensive Insurance plan. This is the only option to ensure that you are compensated for damage or total loss caused by floodwater.

You must also select Comprehensive Insurance if you live in an area that is prone to flooding. Since Comprehensive Car Insurance Plan is optional, it is not an automatic part of your car insurance policy. Instead, you should opt for the plan. Since it is not mandatory, it is recommended that you opt for this plan for broader insurance coverage.

Comprehensive Insurance not only protects you financially against floods but also other natural calamities, along with coverage against man-made disasters, accidental damages, fire or explosion, theft and third-party liabilities.

You also have the option to include add-on covers such as the Engine Protection cover, Zero Depreciation cover, etc., to extend the base plan’s coverage even further. You can avail of these benefits through our online portal along with an online car insurance renewal option.

Best car insurance add-ons to protect against flood damage
The Comprehensive Insurance Policy is the perfect insurance coverage for your vehicle, especially if it is damaged due to a flood. However, this is a base plan, and it does not provide coverage for certain damages or losses.

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