Car Insurance: How to ensure comprehensive coverage with monsoon add-ons? Here are 6 ways

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Also Read: Planning a new car? Here are the latest car loan interest rates from top banksDuring the monsoon, your car's engine is especially vulnerable. Water can enter the engine due to driving through floods, fluid leaks, or accidently starting the engine after submersion. This can lead to costly repairs or a complete engine replacement.

An engine protection cover shields you from these water-induced damages, covering repair or replacement costs. For example, if your car is submerged and the engine sustains damage, the cover ensures you won't bear the entire financial burden, offering a sense of peace of mind and security.

Also Read: No more out-of-pocket expenses: Kotak General Insurance offers consumables cover add-on in car insuranceStandard car insurance policies often deduct 30 to 50 per cent of the claim amount due to depreciation, providing partial compensation for repairs. Zero-depreciation coverage is vital during monsoons when accidents are more common.

It ensures you receive the entire claim amount without depreciation deductions for parts like plastic, rubber, and metal. For instance, if you're involved in a bumper-to-bumper accident in heavy traffic, the cover ensures total compensation for plastic part repairs, minimising out-of-pocket expenses.Tyres endure significant wear and tear, especially during the monsoon. The tyre protector add-on covers the total labour charges and replacement costs for damaged tyres, whether they burst or puncture.