As the monsoon season brings much-needed relief through refreshing showers, it also presents a range of challenges for vehicle owners. Waterlogged streets, unexpected flooding, slippery roads and reduced visibility significantly increase driving risks. SBI General Insurance recognises the unique concerns associated with this season and urges vehicle owners to proactively secure the right motor insurance coverage. A comprehensive motor insurance policy not only protects your vehicle from potential damage but also gives you the confidence to navigate rain-soaked roads with peace of mind.
To keep you safe and worry-free on the road this monsoon, SBI General Insurance offers the following recommendations to ensure your vehicle stays well-protected.
- Comprehensive Coverage for Water Damage to engine
Ensure that your motor insurance includes comprehensive coverage that takes care of water-related damage like flooding, waterlogging, or engine trouble when vehicle is parked. These issues often arise during the monsoon when rain can affect your vehicle’s electrical and vital parts. Timely preparation can significantly help prevent major challenges in the future. We recommend avoiding driving in waterlogged areas to prevent any damage to engine.
If you own an electric vehicle (EV), consider purchasing an “add-on” or “rider” feature for battery coverage, as most insurance policies do not include battery coverage. These features can extend the policy’s coverage for an additional cost.
- Regular Vehicle Maintenance
Monsoon can prove harsh on your vehicle, but a little extra care during this season can ensure seamless travel. Regular checks on your brakes, tyres, wipers, and exhaust system can help you stay safe on slick roads. Continue to check water availability for wiper cleaning so as visibility does not get impacted. A well-maintained vehicle isn’t just safer; it can also help you avoid insurance claims for problems that could have been prevented.
- Precautions for Hazardous Conditions
Even the best insurance can’t replace being cautious. Avoid venturing into flooded streets to avoid serious harm to your vehicle. Before every drive, ensure your lights, brakes, and tyres are in top shape. Remember, your safety and the safety of others matter most, insurance or not.
Mr. Udayan Joshi, Chief Operating Officer, SBI General Insurance, added, “Monsoons can be tough on vehicles, but with the right coverage and some thoughtful precautions, it’s possible to stay protected and enjoy the monsoon without worries. We urge all vehicle owners to review their insurance and make sure it’s ready to handle monsoon-specific risks like water damage.”
SBI General Insurance offers a wide range of insurance solutions tailored to meet every individual’s and business’s needs. From Comprehensive Motor Insurance and Third-Party Liability cover to add-ons like Engine Protection, Zero Depreciation, and Roadside Assistance, our plans are designed to help you stay financially secure, especially when the skies turn grey. At SBI General, we’re committed to offering practical, customer-focused insurance that brings peace of mind.
