Bankbazaar

Useful Add On Covers To Save Your Car In Monsoon

Monsoon is one of the most awaited seasons of the year. People yearn for the rain gods to shower their blessings and provide them with some relief from the scorching heat of summer. In India, people of all ages love to go on drives in the monsoon, away from the hustle and bustle of city life and enjoy the beauty of nature that is reborn with the first droplets of rain. However, monsoon also brings with it a lot of problems for the people. Roads in major cities across the country are clogged with water and people often find it difficult to walk on the road after the monsoon showers, let alone drive.

When you drive on water-logged roads, you risk damaging your car and the worst part is that your car insurance may not provide sufficient protection against such damages. Hence, you need to opt for certain add-on covers available with most insurance policies that can enhance the overall protection provided to your vehicle. Such add-on covers can make sure that your car is saved from the risks involved with driving on water-logged roads during the monsoon. In fact, most insurance companies offer such add-ons with theircar insurance policies. However, you will need to pay an additional amount of premium to avail such add-on covers with your policy.

Here are a few add-on covers that you can opt for to save your car in the monsoon:

  1. Engine Protector Cover – It is a fact that driving on roads filled with rainwater can damage the engine of your vehicle. An Engine Protector Cover that provide you with the required protection against any damages done to your car engine. It can reimburse you the cost of repairing the engine. Such an add-on can also cover the damages caused to the undercarriage of the engine of your car.
  2. Roadside Assistance – What will you do if your car breaks down on the road during monsoon? You can take help of the Roadside Assistance Cover available with leading car insurance agencies. You can get your car towed to the nearest workshop or get it repaired on the spot (in case of minor repairs) with the help of such a , which can be useful in all seasons.
  3. Zero Depreciation cover – Even if your car does not get damaged due to driving on water-logged roads, there is a huge possibility that it’s value will depreciate due to the fact that the engine and other parts of the vehicle will be damaged a little, every time they are exposed to water. Thus, the overall value of your vehicle will decrease in the process. A Zero Depreciation Cover can ensure that when you meet with an accident, you can get paid the full claim amount without deducing a significant amount as the cost of depreciation of the different body parts of the vehicle.

These add-on covers will not only help you to cope with the cost of repairing your vehicle, but they can also help you to avoid making insurance claims in a policy period. As a result, you will be entitled for the No Claim Bonus offered with your policy.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

 4.5 / 5.0   by 2625 users
Used this product? Write a review >>

Policy Coverage

Customer Service

Claim Experience

Responsiveness

Cashless Garages

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

Useful Add On Covers To Save Your Car In Monsoon Reviews

Page 1 of 50 1 2 3 4 5
  • United India Car Insurance
    "For new car, don't go for it"
    0.5 4.0/5 "Great!"
    The amount they are charging is less thats the reason i opted the car insurance policy from united India. I pay the premium amount of Rs. 2500. This is a third party insurance policy. Through consultancy, i used to renew my policy. I have not applied for any claim so far.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 16, 2019
  • HDFC Ergo
    HDFC Ergo Car Insurance
    "Whichever policy, Go for Zero dept"
    0.5 4.0/5 "Great!"
    My car insurance policy was with HDFC ergo because it was recommended by my dealer. I had claim experience and it was cashless and good. I did not pay anything from my pocket within 3 days, they have processed the claim and handed over my vehicle. It was a zero depreciation policy.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • ICICI Lombard Car Insurance
    "Good policy "
    0.5 3.0/5 "Satisfactory"
    Every time, i used to visit their showroom to renew my car insurance policy. I'm receiving the no claim bonus. This is a bumper to bumper covered policy. I pay the premium amount of Rs. 10000 and I'm not sure about the IDV value. They are providing the hard copy of the documents immediately. I do not have any claim experience.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • HDFC Ergo Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    HDFC ERGO GENERAL INSURANCE is the company where I have taken the car insurance policy for life time policy, the premium amount is nominal I use to yearly basis. I use to do payment through an online. Their service is good. They used to process the claim as soon as possible and they will take care of the claim.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • Royal Sundaram Car Insurance
    "Should be transparent"
    0.5 1.0/5 "Really Bad"
    I met with an accident, I had to get it claim because I have Royal Sundaram car policy it was bumper to bumper at the time of enrollment they said its fully covered. But when I went for the claim, the insurer said car engine was not covered. Then I fought with Royal sundaram Insurance company. They quoted 1.40 lakh claim value and they made me to pay Rs. 70,000 from my end. However the additional cost of engine protection is just around Rs. 400 but I paid the premium of Rs. 20,000. I am very disappointed with them because they are not transparent. So I suggest to all, before going policy make sure whether its fully covered.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 13, 2019
  • Royal Sundaram Car Insurance
    "Policy not up to the mark"
    0.5 3.5/5 "Pretty good"
    The policy was overall good but end of the day i was not satisfied with the policy. When i purchase the policy, they said its a zero depreciation policy and its nil dept. But when i applied the claim, they have given me a claim only for 50%. In that, my car steering was not covered, Some engine parts and bumper was not covered.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • New India Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have bee using the car insurance policy with NEW INDIA ASSURANCE where the customer support is prompt by giving the information regrading the policy expiry date. I had no claim also the IDV value is good provided with the insurance policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 10, 2019
  • ICICI Lombard Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have purchased the two wheeler insurance policy with the ICICI LOMBARD GENERAL INSURANCE where i had no claim experience with the policy. The premium paid was nominal also the IDV value is good with the policy. The service is good with the policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 10, 2019
  • National Insurance Car Insurance
    "Good Claim Experience"
    0.5 4.0/5 "Great!"
    I believe the premium is lesser for National Insurance car policy and they have good claim ratio when compared to private sector but the service needs to be improved. I done a claim there a small damage within a week time they came and took the details and within 15 days I got the reimbursement. I paid last premium of Rs. 10,461 for my Maruthi Baleno car.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 09, 2019
  • Oriental Insurance Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the policy since from last 2 years with ORIENTAL INSURANCE where they have given coverage is for bumper to bumper. The premium paid was nominal and the IDV value was good also there was a road side assistance. No claim bonus is there with the policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 08, 2019
  • Bajaj Allianz Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    When i purchased my new car, i have bought the car insurance from Bajaj Allianz. I have made th premium amount of Rs. 33000 for the coverage amount of Rs. 9 lakhs. I do not applied for any claim till now. For the premium amount has taken along with the loan amount.
    Was this review helpful? 0
    , kochi
    Reviewed on Jul 06, 2019
  • New India Car Insurance
    "Need to improve the service"
    0.5 4.0/5 "Great!"
    Taken my car insurance from New India. My dealer has given the policy with them and I'm continuing with the same company. I pay the premium amount of Rs. 16000 for the coverage amount of Rs. 7.50 lakhs. I haven't got my no claim bonus. When i informed about the same, they were not ready to provide proper response.
    Was this review helpful? 1
    , kochi
    Reviewed on Jul 06, 2019
  • National Insurance Car Insurance
    "Excellent car insurance policy"
    0.5 4.5/5 "Excellent!"
    I went to the dealer and he had a tie up with the National Insurance company hence i have chosen them. I paid the premium amount of Rs. 22000. They have provided me a coverage amount of Rs. 4 lakhs. They have provided me a hard copy of the documents. Its a zero depreciation policy. I get a facilities of no claim bonus, roadside assistance.
    Was this review helpful? 0
    , rewari
    Reviewed on Jul 05, 2019
  • HDFC Ergo Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    HDFC ERGO GENERAL INSURANCE is the company where i am using the car insurance policy since from last 6 months also the premium paid was nominal added on that the IDV value is nominal with the policy. The policy coverage is for bumper to bumper with the policy.
    Was this review helpful? 0
    , jamnagar
    Reviewed on Jul 05, 2019
  • review Car Insurance
    "EXCELLENT"
    0.5 5.0/5 "Blown Away!"
    I have been using the car insurance policy with the BHARTI AXA GENERAL INSURANCE where i have no claim experience also the premium paid was nominal also the IDV value was good with the policy. The policy coverage is for full also it is a good policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 05, 2019
  • New India Car Insurance
    "Need to experience the policy"
    0.5 5.0/5 "Blown Away!"
    New India insurance has a tie up with Maruti since i have a Martui Swift i have chosen them. I pay the premium amount of Rs. 11000 approximately. I get a coverage value of Rs. 5.86 lakhs. I do not have any claim experience so far from the purchasing date.
    Was this review helpful? 1
    , jaipur
    Reviewed on Jul 03, 2019
  • ICICI Lombard Car Insurance
    "Genuine service provider"
    0.5 4.0/5 "Great!"
    I done one claim with ICICI Lombard during flood time, the service is good and genuine. There was no charges applicable because I have zero depreciation plan. They have tie up with many work shop and premium is higher but the service is prompt.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 02, 2019
  • New India Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have been using with the NEW INDIA ASSURANCE where i had claim once with the policy and i had a claim experience and i got reimbursement of 50%. The policy coverage is for bumper to bumper. I have paid the premium was 7K and the IDV value is 80% provided.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jul 01, 2019
  • ICICI Lombard Car Insurance
    "Should be faster"
    0.5 5.0/5 "Blown Away!"
    Last year I paid the premium of Rs. 8000 for taking comprehensive plan. I have 2013 model santro car it have good insured value. ICICI Lombard got tied up with many garages and work shops. When my wind shield got damaged they took 45 days for reimbursing the money.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jun 30, 2019
  • Oriental Insurance Car Insurance
    "Good car insurance"
    0.5 5.0/5 "Blown Away!"
    1 year back, i have taken my car insurance policy. Since the dealer has suggested me a policy with the oriental i have chosen them. I am paying the premium amount of Rs. 9000 for the coverage value of Rs. 1.30 lakhs and iâ??m satisfied with it. This is covered for 100% hence zero depreciation policy. It has a facilities of road side assistance, no claim bonus etc.,
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jun 30, 2019
Common Loader Icon
Page 1 of 50 1 2 3 4 5
reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.