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What is Flood Coverage?
Flood damage can happen to your car more easily than you might think, even if the water isn’t very high, water can get in through degenerated sealing around windows, doors, and sunroofs. Most car insurance may cover damage caused by floods but only to a certain limit. That’s why you might need additional flood coverage.
You can purchase an ‘Engine Protection add on cover to cover engine losses caused by floodwater. The add-on is intended to compensate for damage to the vehicle’s engine. Your insurer will fix or replace your car’s engine and its components, such as connecting rods.
Other Related Products
Applying for an insurance is always next thing to consider whenever you buy a car. It is not just to protect your safety, but it also aims to protect the security if your car and personal items inside it. Here some of the most recommended add-ons for your car insurance.
Car Depreciation
One way you can protect your car from depreciation is to get a Depreciation Cover. You can get this cover as an add-on to your car insurance policies by paying an additional amount of premium.
Daily Income Compensation
Daily income compensation offers income compensation if you are hospitalised due to an accident for up to 30 days from the date of the accident. The amount of compensation you will receive is determined by your premium.
Options for Car Insurance With Flood Coverages
Car insurance type 2
Covers:
– Own damage for insured vehicle arising from, collision with other movable vehicles or flood
– Theft and fire coverage for an insured vehicle
– Third party bodily injury and property damage liability
Car insurance type 3
Covers:
– Collisions with other movable vehicles and floods cause own damage to an insured vehicle.
– Third party bodily injury and property damage liability
How to file a car insurance claim after a flood
The procedure for making a claim for flood damage is the same as for any other type of vehicle damage. You may either contact your company’s claim centre or, if your company allows it, file a claim online.
Here’s how to file a car insurance claim.
1. If the cost of flood damage exceeds your insurance, you should file a claim as soon as possible, particularly in the event of a natural disaster.
2. Call and file a claim as soon as you’ve assessed the damage.
3. Take images and videos of the damage and send them to the adjuster and the technicians who will be fixing the car. Dry the car as soon as possible, using towels, vacuum, or fans.
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What Does Flood Coverage Offer?
Flood insurance will protect your vehicle in a variety of ways, here are some of the most common ones. Please note that this can vary depending on the insurer.
What is Avoidable and Unavoidable Damage?
There are two types of flood water damage: avoidable and unavoidable, your insurer’s classification of both will decide whether or not they will pay out on a flood damage claim.
Avoidable Damage
Flood damage that could have been avoided happens when people intentionally drive through a large body of water. Since this is called reckless behaviour, an insurer can refuse to payout.
Unavoidable Damage
Flood damage that is unavoidable may cover your car if it is damaged by floodwater while parked at home. Since you have no control over the situation, the insurer will be more likely to consider your claim in this case.
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