Car Flood Insurance: Does Car Insurance Cover Flood Damage?

Depending on your chosen insurance plan, your automobile insurance may or may not cover flood damage. Only comprehensive coverage, which is voluntary and not required like third-party insurance, will protect you against flood damage. The Comprehensive Car Insurance Policy insures your car against damage brought on by cyclones, earthquakes, floods, and other natural disasters. It also covers losses brought on by theft, fire, accidents, and other artificial disasters. 

Before you experience flood damage, consider the kind of insurance coverage you need. Flood damage can do significant harm and lower the value of the car. It may result in costly repairs or, in rare situations, a total loss (damage that cannot be repaired). Even while a Comprehensive Car Insurance Policy could be more expensive, it might save you a lot of money in the event of such unplanned losses. ##

You can always utilise a car insurance premium calculator to understand the appropriate level of coverage for your requirements and the needs of the vehicle.

Various Flood Damage Types

These are the primary forms of harm that a flood can do to your car:

• Engine damage: Internal engine parts may sustain partial or complete damage due to water seeping into the vehicle’s engine during a flood.
• Gearbox damage: The device may malfunction or become wholly inoperable if water enters the gearbox.
• Damage to electrical and electronic systems: Water can impair electrical and electronic systems. It can lead to a short circuit in the electrical or electronic parts, or the dashboard’s warning lights might not work correctly.
• Damage to the upholstery: This may result from the wetness brought on by water intrusion. The carpet, seats, and other soft furnishings fall within this category.

Which Auto Insurance Policies Cover Flooding Damage?

You must be certain that your car is adequately insured in case of flood damage because flooding can happen anytime. Fortunately, flood damage is covered by car insurance. However, you must purchase a Comprehensive Insurance plan to do it. The only method to ensure that you will be reimbursed for harm or complete loss brought on by floodwaters is to go this route for a car insurance claim.  

If you live in an area that is vulnerable to flooding, you must also choose Comprehensive Insurance. The Comprehensive Car Insurance Plan is not a requirement of your auto insurance because it is an option. You should pick the plan instead. It is advised that you choose this plan since it offers more comprehensive insurance coverage even though it is not required. 

Financial protection against floods and other natural disasters is provided by comprehensive insurance, which also includes coverage against unnatural disasters, unintentional damage, fire or explosion, theft, and third-party liabilities. 

To further extend the standard plan’s coverage, you may include add-on covers like Engine Protection, Car Insurance NCB, and Zero Depreciation cover. These advantages are available to you through our online portal, along with a choice to renew your auto insurance online. *

*Standard T&C Apply

##All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.