Flood, Water Damage and more

Check if your current Motor Insurance Policy will protect you against common rainy season risks like floods, engine failure and breakdowns:

1. Is your Policy Comprehensive?

2. Does your policy include an Engine Protection Add-on?

3. Do you have a Zero Depreciation (Bumper-to-Bumper) add-on?

4. Have you opted for Return to Invoice (RTI) cover?

5. Does your policy include Consumables Cover?

6. Do you have Roadside Assistance (RSA) included?

7. Is Tyre Damage covered in your policy?

8. Is there a cover for Electrical or Electronic Accessories?

9. Do you have a valid PUC and updated RC documents?

10. Is Personal Accident (PA) cover for owner-driver and passengers active?

11. Is engine damage from water ingress (hydrostatic lock) covered under your policy?

12. Will your insurer cover damage if you drove through a waterlogged area unknowingly?

13. Can you intimate a claim digitally (via app or portal)?

14. Does your insurer offer cashless claim service at garages near you?

15. Is your Insured Declared Value (IDV) realistic (not too low)?

16. Do you have NCB Protection Add-on to retain discounts after claim?

17. Are you aware of the claim intimation deadline after a water-related incident?

18. Have you received pre-monsoon tips or alerts from your insurer?

19. Are your policy copy and helpline numbers easily accessible?

20. Do you know which damages are excluded during monsoon (like negligence)?

      SCORING OF YOUR POLICY:

      Each YES = 1 point.

      17-20, Excellent, your policy is monsoon ready.

      13-16, Adequate, consider adding 1-2 critical covers.

      8-12, Weak, Vulnerable to major monsoon losses. 

      0-7, High Risk, Your Policy wont protect you well in rainy season.