Ensuring Coverage for Natural Disasters: Is Your Car Insurance Prepared?

Did you know that approximately 160 million people worldwide are affected by natural disasters every year?[1] These unexpected and unstoppable events not only cause immense damage to human life but also result in the destruction of property and vehicles. Just take a recent example of Super Cyclonic Storm Amphan, which wreaked havoc in Eastern India and Bangladesh in May 2020. Flooded roads and submerged cars became a common sight after the cyclone hit Kolkata. With the severity of the damage caused by these disasters, it is crucial to ensure the safety of your family and protect your car to maintain your lifestyle.

Is your car insurance policy enough?
While having car insurance is beneficial during unforeseen events, it’s essential to know if your policy covers damages caused by natural disasters. For instance, if you have third-party insurance, it only covers your legal liability for damages to a third party. This type of insurance does not compensate for damages to your car resulting from natural calamities like fires, earthquakes, floods, cyclones, storms, etc. To ensure comprehensive coverage that protects you and your vehicle from any damage, it’s advisable to opt for a comprehensive car insurance policy. Such a policy not only covers damages caused by your vehicle to third parties but also provides coverage for damages to you and your vehicle. With natural disasters included in the policy, you can repair your car without bearing the financial burden. Given the variety of offerings from different insurance companies, it is important to carefully compare plans to select the one that offers maximum benefits.

Choose the ideal plan for you
When choosing an insurance company, consider factors such as competitive pricing, efficient customer care, and additional coverage options. These factors will help you find the right car insurance plan. Bajaj Allianz, a leading general insurance company in India, offers a comprehensive car insurance policy that covers damages or losses caused by almost all-natural calamities, including fires, explosions, lightning, earthquakes, floods, typhoons, hurricanes, storms, and more.

You can enhance the coverage of your policy even further by adding additional covers like an engine cover, accident shield, personal baggage, lock and key replacement cover, consumable expenses, conveyance benefit, and depreciation shield. For example, if you add an engine cover to your comprehensive car insurance policy, it will protect your car’s engine from various malfunctions, including water ingression and hydrostatic lock. Similarly, the consumable expenses add-on covers the costs of consumables like engine oil, gearbox oil, power steering oil, coolant, brake oil, etc., incurred during car repairs. You can easily calculate your premium rates, including these add-ons, using the online car insurance calculator.

Aside from protection during natural disasters, a comprehensive car insurance policy offers other benefits, including easy online purchase, where you can obtain quotes, compare plans, make payments to renew existing policies, and more, from the comfort of your home. With Bajaj Allianz, you also get 24/7 roadside assistance. Just call their toll-free number, and their experts will help restore your vehicle. The company has tie-ups with over 4,000 garages across the country, ensuring high-quality services. Additionally, they offer Motor OTS (On-The-Spot), a mobile-based service that simplifies the process of filing and settling car insurance claims. You can instantly register your claim online from the accident spot and have it settled within minutes. If your car insurance policy has expired, make sure to renew it immediately to avoid rejection of your claim due to lack of a valid policy.

Natural disasters can occur at any time, causing unexpected damage to your beloved car. Without proper preparation, you may have to bear significant expenses to repair it. In addition to safeguarding against natural disasters, a comprehensive car insurance plan like Bajaj Allianz ensures you can quickly recover from other car-related accidents. It provides complete protection and peace of mind.

Source: [1] https://www.who.int/environmental_health_emergencies/natural_events/en/#:~:text=Every%20year%20natural%20disasters%20kill,wildfires%2C%20heat%20waves%20and%20droughts.

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