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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.

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Useful Add On Covers To Save Your Car In Monsoon Reviews

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  • ICICI Lombard Car Insurance
    "User friendly"
    0.5 5.0/5 "Blown Away!"
    They are very fast claim experience. I have not personally chosen the policy from ICICI Lombard. From the merchant side by default they have provided me a policy from this company. Recently I had applied the claim and I got up to 83%. Earlier it was a bumper to bumper covered policy now my car is more than 5 years old, so its not covered 100% now.
    Was this review helpful? 3
    , bangalore
    Reviewed on Nov 26, 2019
  • review
    review Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    When i done my claim, Kotak mahindra bank Car insurance, they have given me a claim immediately. To reach their customer care, its quite difficult. They do not have any Tamil assistance. Once i given the documents, they have given me a claim through RTGS transaction. When i search in online, kotak mahindra has a less amount of premium. My total car damage amount was Rs. 24000 in that they have given Rs. 16800 which covers upto 70%.
    Was this review helpful? 1
    , tirupur
    Reviewed on Nov 26, 2019
  • New India Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    New India Assurance company is very helpful for customer. Once the agent came to my place and guided me with a full support and he used to contact me whenever the policy gets expired. They used to remind me before on 10 days, then they will come to my place to collect the cheque. I pay the premium amount of Rs. 19,000 by last year and they gave me a no claim bonus as well.
    Was this review helpful? 1
    , tiruchirapalli
    Reviewed on Nov 25, 2019
  • Chola Ms Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I'm having a car insurance from Cholamandalam but the benefits are good but still i haven't claimed anything once i had experience the claim, I will come to know about their real face. The customer care executive has clearly explained me about the policy details.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Nov 25, 2019
  • review Car Insurance
    "Car insuarnce"
    0.5 0.5/5 "Unacceptable"
    Such a money making company , third class service , i gave my car to insurance get it claimed but i am waiting from past 1 month , i didn't get the approval . I have never came across such a bad vompany and bad customer service and still i am struggling with these people . Shameless company .
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 24, 2019
  • review Car Insurance
    "It's a fraud company eating customers money"
    0.5 0.5/5 "Unacceptable"
    Bharti axa car Insurance company is not genuine at all as it is a private company so their focus is just to collect the premium from clients but at the time of claims they run from their responsibilities and deny the claims for no reasons.. The company they have hired for forensic and investigation are also working in their favour as those companies are paid by bharti axa for making reports in their favour, I would like to alert the customers to never go with bharti axa car insurance.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 20, 2019
  • ICICI Lombard Car Insurance
    "Better Policy"
    0.5 5.0/5 "Blown Away!"
    Taken my car insurance from ICICI Lombard because it has been offered from Maruti Showroom itself and i have paid the premium amount of Rs. 13000. Its a zero depreciation hence its cover for bumper to bumper. They are providing the IDV value of Rs. 4.5 lakhs.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Nov 13, 2019
  • Bajaj Allianz Car Insurance
    "Many network garages in Bajaj Allianz"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance from Bajaj Allianz. They are providing a good no claim bonus and customer service is good so i have switched over from other company to Bajaj Allianz. For the car, i have paid the premium amount of Rs. 12200. Its a first party insurance.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 12, 2019
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I don't have any claim experience even the policy is good. There is no hassles till now. I have been paid the premium amount of Rs. 14000 and i have taken this policy long time back. There is no particular reason for choosing the Bajaj Allianz. Its a zero depreciation policy and they have provided me a coverage amount of Rs. 4.50 lakhs.
    Was this review helpful? 0
    , thane
    Reviewed on Nov 10, 2019
  • ICICI Lombard Car Insurance
    "Okay Policy"
    0.5 5.0/5 "Blown Away!"
    Recently i have a claim experience for my car insurance with ICICI Lombard. I got the ICICI Lombard insurance from the Maruti Showroom when i purchased the car. There was a claim issue when i applied it. They gave less settlement amount and it was a late approval. I had taken the zero depreciation policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 09, 2019
  • ICICI Lombard Car Insurance
    "Okay Policy"
    0.5 4.0/5 "Great!"
    My friend is working as a agent in ICICI Lombard thats the reason i have gone with ICICI Lombard. I have paid the premium amount of Rs. 8500 for the satisfied coverage value as per the age of the car. I have not approached for any claim till now. The policy would be renewed by the agent itself.
    Was this review helpful? 0
    , jaipur
    Reviewed on Nov 08, 2019
  • National Insurance Car Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    National Car Insurance is Government based policy and I'm using the Maruti car and they are giving a good service since they have a tie up. The price is very less when i compared with other company with the same IDV. I have a claim experience with them and it was satisfactory.
    Was this review helpful? 0
    , nellore
    Reviewed on Nov 07, 2019
  • United India Car Insurance
    "Good Insurance Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was taken from United India. I have purchased second hand car, so i have been renewing the policy with the same company which car holder was having at earlier. I am paying the premium amount of Rs. 13000 per year. I have not applied for any claim till now.
    Was this review helpful? 1
    , manjeri
    Reviewed on Nov 05, 2019
  • Shriram Car Insurance
    "Excellent "
    0.5 4.0/5 "Great!"
    I have taken a car insurance from Shriram General since am an employee. The customer service is good. I have gone for claims and it was reimbursement. They have not tied up with the cashless showrooms. I am happy with the benefits. Its a first party insurance.
    Was this review helpful? 0
    , visakhapatnam
    Reviewed on Nov 03, 2019
  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 3.0/5 "Satisfactory"
    I found that HDFC Ergo is giving me a competitive rates and at the time of taking it in a urgent it was best. I have paid the premium amount of Rs. 11000 and its a zero depreciation policy. They are providing the coverage amount of Rs. 3 lakhs. After i browsed about HDFC Ergo, the agent came to my place and explained me about the benefits so i have renewed the policy from the agent sent by the company.
    Was this review helpful? 0
    , pune
    Reviewed on Oct 29, 2019
  • ICICI Lombard Car Insurance
    "Good Policy"
    0.5 4.5/5 "Excellent!"
    I have chosen my car insurance policy from ICICI Lombard. Its because of the benefits i have moved to this company from some others. I have paid the premium amount of Rs. 15000. Its a 100% covered zero depreciation policy. No claim experience.
    Was this review helpful? 0
    , bangalore
    Reviewed on Oct 23, 2019
  • New India Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    When i enter my car number, they have given me a higher IDV. For claiming the policy, i have take a picture and i can upload through online for the claim process. They have given me a IDV value of Rs. 2 lakhs and its not cover for bumper to bumper. I have not approached for any claim.
    Was this review helpful? 1
    , chennai
    Reviewed on Oct 20, 2019
  • United India Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have selected third party insurance for my car, the premium is reasonable with United India Insurance. I have Maruti Wagnor and its 10years old, their IDV is less. I have paid yearly premium around 4,700 rupees and have received the insurance paper. I have no claim experience.
    Was this review helpful? 1
    , pune
    Reviewed on Oct 19, 2019
  • ICICI Lombard Car Insurance
    "Not recommendable"
    0.5 2.0/5 "Expected more"
    Earlier, I had a policy with ICICI Lombard and have been facing so much of issues during claim which am not satisfied. When I purchased the policy, they have assured me its a cashless policy but when I have contacted the garage they denied for it and their executive is not at all helpful.
    Was this review helpful? 0
    , new delhi
    Reviewed on Oct 18, 2019
  • Bajaj Allianz Car Insurance
    "As of now good"
    0.5 4.0/5 "Great!"
    Till now, I have not required any services for claim with Bajaj Allianz. Personally, I don't have any experience with them when I went to the showroom, the executive recommended me Bajaj Allianz. The premium is more or less when I compared with others. Its a comprehensive plan and am satisfied with the benefits.
    Was this review helpful? 0
    , new delhi
    Reviewed on Oct 18, 2019
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