Bharti AXA General Insurance shares some of the add-on covers and precautions, which will keep you, worry free.
Add On Covers Which Can Come Handy During Monsoon
Roadside Assistance: This cover provides ‘Assistance’ to the customers at the time of vehicle breakdown by towing
the vehicle to the nearest garage for repairs, fixing the flat tyre, arranging alternative transport facility to safety in the event of major breakdown of the vehicle, assistance in the case of lock out/lost keys, arrangement of emergency fuel in case the vehicle runs out of fuel, etc.
Engine Protector Cover: During monsoon chances are high that the water will ingress into the engine, especially in areas prone to heavy rainfall. Engine protector covers the consequential damage to the internal parts of the Engine & Gear Box of the Insured Vehicle arising out of water ingression and also due to leakage of lubricating oil following damage to Engine/Gear box due to accidental means which a regular motor policy does not cover.
Hydrostatic Lock Cover: This pays for losses arising out of repairs or replacement of engine parts due to hydrostatic lock and ingression of water in the engine. This is a must have to avoid situations like Shekhar’s.
No Claim Bonus (NCB) Protector: This cover protects your No Claim Bonus percentage for up to 2 claims made during the policy period.
Consumables Cover: This offer covers parts like screws, nuts, bolts, washers and sleeves.
Precautions To Protect Your Car During Monsoon
- Avoid driving your car during heavy rains or through flooded water unless your journey is absolutely necessary. If you have to drive through flood water, you may drive on the highest section of the road if it is safe to do so.
- Avoid driving through water if you are not sure of the depth. Severe engine damage may occur if water gets sucked up into the engine air intake system.
- Avoid driving through the flood water if a vehicle is traveling in opposite direction.
- Drive the vehicle at a cautious speed that is just enough to avoid engine stalling and select as low a gear as possible while maintaining constant acceleration.
- Check the brakes for thorough functionality as it can be affected if the flood water enters the brake lines, pads or discs. Please ensure it is functioning satisfactorily before moving the car further.
- Check the radiator fan motor for thorough functionality as there is a possibility of its damage due to flood water. Please ensure it is functioning satisfactorily before moving the car further
- Should the vehicle stop, avoid cranking the vehicle as it may damage the engine. Push the vehicle to the side and call your mechanic, let the motor mechanic examine it.
- Do not keep the AC on while driving through stagnant water as it may increase the splash of water
- Keep the window glasses slightly lowered.
- Avoid closing the doors with central locking as there is the possibility of it not opening in event of any electrical short circuit. Keep a heavy object like a hammer or stone handy as it will be useful in breaking of glass if the door locks are stuck due to short circuit. Breaking window glasses are easy in comparison to front windscreen which is laminated.
- If the level of water has entered the passenger compartment, do not turn the ignition “ON” as there is possibility of short circuit in the electrical system the moment ignition is turned “ON” even without cranking of the engine. This may cause further damage to the vehicle.
- If the vehicle has been stranded in the flooded area for a prolonged period, record the highest level of water exposure on the flooded vehicle as this will aid the garage technicians in evaluating the extent of damage and help in taking necessary steps to correct the damage.
- Contact your garage and let the professionals examine it.
A judicious mix of add on covers along with some precautions like the ones mentioned above can ensure your safety and that of your vehicle. Be safe on those slippery roads!
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