As monsoon clouds gather over India, vehicle owners face increased risks of damage and accidents. Royal Sundaram General Insurance has released a comprehensive guide highlighting common monsoon mistakes that could jeopardize both vehicle safety and insurance coverage.
Critical Monsoon Mistakes That Could Void Your Insurance
Many vehicle owners unknowingly make errors during the rainy season that can lead to insurance claim rejections. Royal Sundaram emphasizes that driving through waterlogged areas remains one of the most common and costly mistakes. When water enters the engine through the air intake, it causes hydrostatic lock, which can severely damage the engine and typically isn't covered by standard insurance policies.
Another frequently overlooked aspect is electrical system damage. Monsoon conditions can lead to short circuits in modern vehicles packed with electronic components. Insurance companies often classify such damage as resulting from wear and tear or lack of maintenance rather than sudden accidental damage, making claims challenging to process.
Essential Pre-Monsoon Vehicle Checks
Royal Sundaram recommends several crucial inspections before the monsoon intensifies. Tyre condition demands immediate attention, as worn-out treads significantly reduce grip on wet roads, increasing accident risks. Properly inflated tyres with adequate tread depth are essential for monsoon safety.
The insurance provider also stresses the importance of checking wiper blades and ensuring they're in optimal condition. Poor visibility during heavy downpours contributes to numerous accidents, and functioning wipers are a legal requirement for safe driving.
Other critical checks include:
- Brake system inspection for responsive braking on slippery surfaces
- Electrical system review to prevent short circuits
- Headlight and taillight verification for maximum visibility
- Air filter examination to prevent water entry into the engine
Insurance Coverage Considerations for Monsoon Season
Royal Sundaram advises vehicle owners to thoroughly review their insurance policies before monsoon arrives. Standard comprehensive insurance policies may not cover all monsoon-related damages, making additional riders potentially necessary for complete protection.
The company specifically highlights engine protection covers as valuable additions during rainy seasons. These specialized covers can protect against engine damage from water ingress, which regular policies might exclude. Similarly, zero depreciation covers become particularly beneficial during monsoons when repair costs typically increase.
Documentation plays a crucial role in insurance claim processing. Royal Sundaram recommends maintaining proper records and taking photographs of any damage before initiating repairs. This documentation becomes vital evidence when filing insurance claims for monsoon-related vehicle damage.
Finally, the insurance provider reminds vehicle owners that timely renewal of insurance policies is especially important during monsoon months. Driving with an expired policy not only violates legal requirements but also leaves vehicle owners completely unprotected during a high-risk season.
