What is an Engine Protection add-on, and why is it important during monsoons?

An Engine Protection add-on covers damages to your car’s engine caused by water ingress, which is common during floods.

Are there any exclusions I should be aware of in my motor insurance policy?

Yes, some common exclusions include damages due to hydrostatic lock, consequential damages like electrical failures, and damages due to negligence, such as driving through a flooded area despite warnings

What steps can I take to ensure my car is protected during the monsoon season?

To safeguard your vehicle, consider purchasing add-ons like Engine Protection, Consumables Cover, and Zero Depreciation Cover.

Is flood damage covered in car insurance?

Yes, flood damage is covered under a comprehensive car insurance policy, which protects your vehicle against natural calamities like floods, cyclones, and storms.

Will my insurance cover a flood?

Your vehicle insurance will cover flood damage only if you have a comprehensive plan; third-party insurance does not provide this protection.

What is an Engine Protection add-on, and why is it important during monsoons?

An Engine Protection add-on covers damages to your car’s engine caused by water ingress, which is common during floods.

Are there any exclusions I should be aware of in my motor insurance policy?

Yes, some common exclusions include damages due to hydrostatic lock, consequential damages like electrical failures, and damages due to negligence, such as driving through a flooded area despite warnings

What steps can I take to ensure my car is protected during the monsoon season?

To safeguard your vehicle, consider purchasing add-ons like Engine Protection, Consumables Cover, and Zero Depreciation Cover.

What does insurance cover in a flood?

Comprehensive insurance covers repair or replacement costs for parts damaged due to water ingress, engine failure from flooding, and total vehicle loss.

Why is water damage not covered by insurance?

Water damage isn’t covered under basic or third-party insurance, as it only protects against third-party liabilities, not your own vehicle’s damages.

How much can I claim for water damage?

You can claim up to the repair cost or the vehicle’s IDV, whichever is lower, after the insurer assesses the extent of the damage.

What is the maximum flood insurance coverage?

The maximum coverage depends on your insured declared value (IDV) — the market value of your vehicle at the time of policy purchase.

Can water damage be claimed on insurance?

Yes, you can claim for water damage if it’s caused by a flood and you have comprehensive coverage, but engine damage may need an engine protection add-on.

What is the difference between water damage and flood damage?

Water damage usually refers to internal leaks or minor seepage, while flood damage results from external water accumulation due to natural disasters.

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Does Your Motor Insurance Covers Damage From Floods?

Pragya Pathak

Author

Updated: 01-11-2025 at 5:30 AM

In light of the monsoon and rain showers taking place all across the country, motor vehicle owners find themselves surrounded by several concerns: Does my motor insurance cover damage from floods in India? It is crucial to choose an insurance claim flood damage policy after assessing the climatic nature of the area you live in. People living in areas prone to floods, cyclones, or other natural calamities require insurance policies that cover such calamities and save their policyholders from losses.

Read the article to learn more about insurance policies that cover natural calamities, including answers to popular questions like, ‘Does my motor insurance cover damage from floods in Kerala or in more cities across India?’

Overview

The table below summarises some key details about the insurance claim flood damage policies that one should know.

Name of the policy	Comprehensive Insurance Policy
Under the	IRDAI
Purpose	To cover both man-made and natural calamities so that people’s assets, like vehicles.
Does car insurance cover rain damage?	Yes, covered under the Comprehensive Insurance Policy

What Are Comprehensive Insurance Policies?

Comprehensive insurance policies are those that offer extensive and wide coverage for damages. Such types of policies cover both man-made and natural calamities so that people’s assets, like vehicles, can be protected, no matter what happens. These policies are comparatively much better than third-party liabilities with limited coverage options.

Which Insurance Policy Is Right For You?

There are two sorts of insurance policies: Third-party insurance policies and comprehensive insurance policies. Third-party insurance policies provide coverage only for damages that are caused by third-party interaction, such as hit-and-run accidents, and so on.

However, a comprehensive insurance policy includes protection coverage from several natural calamities such as car flood damage insurance claim India, cyclones, earthquakes, fires, and man-made calamities as well.

Assessing the area that you reside in is necessary to choose the sort of insurance policy that might work best for you. For example, if you live in a low-lying area, it may be prone to flooding during the rainy weather, in turn risking damage to your vehicle; hence better to opt for motor insurance that covers damage from floods in Tamil. In such a case, one must opt for a comprehensive insurance plan that covers such risks.

What All Is Covered Under Comprehensive Insurance Policies?

The Insurance Regulatory and Development Authority of India (IRDAI) is the regulatory authority for all insurance schemes and policies in India. It provides for the inclusion of the following incidents/calamities in a comprehensive insurance policy:

Fire, Explosion, Self-Ignition, Lightning
Burglary/Housebreaking / Theft
Riot & Strike
Earthquake
Flood, Storm, Cyclone, Hurricane, tempest, inundation, hailstorm, frost
Accidental external means
Malicious Act
Terrorism acts
While in Transit by Rail/ Road, Inland waterways, Lift, Elevator or Air
Landslide / Rockslide

What Is Not Covered Under Comprehensive Insurance Policies?

The following damages or losses to the value or the vehicle itself are not covered by a comprehensive insurance policy:

Wear and tear, ageing of the vehicle
Mechanical or electric breakdowns
Damages caused owing to driving without a valid Driver’s Licence
Intoxicated driving
Damages in events of mutiny, war, or nuclear attack.

What Are The Benefits Of A Comprehensive Insurance Policy?

The benefits of having a comprehensive insurance policy for your motor vehicle are as follows:

Both Third-Party and Unforeseen Events: A comprehensive insurance plan covers any liabilities that may arise due to third-party collisions or natural/unforeseen incidents.
No-Claim Bonus: Certain policies under this framework also provide a No-Claim Bonus in case no claim has been made. Such a bonus is given at the end of the year.
Customisable: Such insurance covers are customisable as per the choice of the customer and answer questions like ’ Does full coverage car insurance cover flood damage?’. Add-ons can be included in the policy to provide extra coverage to certain aspects or provide coverage to non-covered aspects. For example, an add-on may be purchased to cover any damage to the engine of a vehicle due to floods.

Add-Ons Available Under Comprehensive Insurance Policies

The following add-ons are available under Comprehensive insurance plans:

Engine Protection Cover
Zero Depreciation Cover
NCB Protection Cover
Consumables Cover
Roadside Assistance Cover

How To Claim Insurance For A Vehicle Damaged By Floods?

Here is a step-by-step guide on how to file a flood damage insurance claim list for a vehicle that has been damaged by floods or other incidents covered in a comprehensive insurance policy:

Inform the insurance provider immediately.
Record proofs in the form of images and videos detailing the incidents and damage caused to the vehicle.
Gather the relevant documents of the car, such as Registration Certificate, Pollution Certificate, Insurance papers, ID proofs, and owner details.
Most insurance providers process claims in a digital format now. Make the claim in an online mode or as per the process prescribed by your provider.
Once a claim is submitted, further assistance will be provided by the insurance provider.

What Documents Are Required To Claim Insurance?

There is a list of documents that people need to submit to claim their insurance. The list of those documents is mentioned below:

Registration Certificate
Pollution Certificate
Insurance papers
ID proofs

Conclusion

With floods wrecking vehicles in flood-hit areas of the country, the evaluation of one’s motor insurance policy becomes necessary. A prudent decision must be reached to save one’s vehicle from losses and damages. Hence, in such an unpredictable time, it is wise to choose an insurance policy that covers both man-made and natural disasters.

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