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All About Flood-damaged Vehicle Coverage in Car Insurance

Published On Jul 19, 2023, Updated On Jul 20, 2023

All About Flood-damaged Vehicle Coverage in Car Insurance

With the onset of the monsoon season, different parts of the country have been experiencing heavy rainfall. As per the latest reports published by India Meteorological Department (IMD), North India has been largely affected and is at high risk of floods. The gravity of the situation is such that it is very important to protect yourself as well as your vehicle. So, let’s understand all about flood-damaged vehicle-damaged coverage in car insurance.

Does Car Insurance Provide Coverage for Flood-damaged Vehicles?

There are different types of car insurance plans, but not all plans provide coverage for a vehicle that is damaged due to floods. To get adequate coverage against floods, you must buy a Comprehensive Car Insurance plan. With comprehensive car insurance, you can thus ensure that your vehicle is protected against natural calamities including floods. 

All About Flood-damaged Vehicle Coverage in Car Insurance

Types of Damages to Your Vehicle Due to Flood

Floods can cause damage to your vehicle in different ways. Listed below are the different types of damage due to flood:

  • During a flood, one of the most common damage that takes place is to the engine of the car. This is because water starts entering the car and results in total or partial damage to the engine.
  • There is electrical damage to the car that takes place due to floods. As a result of the flood, a short circuit can take place and affect the different electrical components of your vehicle.
  • Flood also affects the interiors of the car including its seats, glasses, carpet, and more.
  • With flood water oozing in, the gears of the vehicle also get affected and cause huge financial loss to the policyholder.

Things to Keep in Mind While Raising Claims for Flood-damaged Vehicles

Here are some of the things that you need to keep in mind while raising claims for flood-damaged vehicles:

  • To raise claims for flood-damaged vehicles, you must have comprehensive car insurance. However, the claim amount you receive will also get affected by depreciation.
  • If there is any damage done to the vehicle intentionally, then the car insurance company can refuse the request for car insurance claim. For instance, if your car is affected due to a flood and instead of informing the insurance company for getting assistance, you start the car, then there are chances of claim rejection. This is because if you start the car in such a situation, then it will go into a hydrostatic lock and will cause damage to the engine. So, instead of starting your car, you must inform the insurance company in such a situation who will help you in getting the vehicle towed and repaired.
  • To ensure further protection for your car in the event of a flood, you must also include add-ons to your comprehensive car insurance policy. You can include add-ons like zero depreciation cover, engine protection cover, and more.

Steps to Follow to Raise Claims for Flood-damaged Cars

Listed below are the steps you need to follow to raise claims for flood-damaged cars:

  • First and foremost, inform your car insurance company. For claim-related support with InsuranceDekho, you can call on toll-free number 7551196989
  • Also, click pictures of the damaged parts for future investigation
  • Next, keep your documents like a car insurance policy, vehicle registration, and others
  • Then, raise claims either through reimbursement or a cashless manner. Once the claim is approved after the surveyor has verified it, your claims will be settled by the insurance company.

Take Away

So, buy a comprehensive car insurance plan from a reputed insurer and ensure protection for it against floods and other natural calamities. You can also explore some of the best car insurance plans on InsuranceDekho.


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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