Comprehensive Car Insurance Policy: Protection Against Natural Disasters

The comprehensive four-wheeler insurance covers damages to your automobile not just in case of accidents but natural disasters as well. By purchasing some add-ons to this insurance policy, you can further ensure that your car is safe from all the natural hazards. Read further to learn more about the benefits of having a car insurance policy in case of natural disasters. 

We try to control various aspects of our lives daily. However, if there is one thing that is absolutely out of our purview is the sudden outburst of a natural disaster that may have devastating effects on our precious assets. A car is one of the most invaluable assets we would have in our lifetime, and it is vital to protect it against the rage of a natural disaster. 

Protection Against Natural Calamities

Natural calamities such as floods, storms, hurricanes can cause extensive damage to a car and its expensive parts. The car may suffer partial or full damage based on the extent of submersion in water. The replacement of these parts and bodywork can be expensive, and thus, a comprehensive cover can be much-needed protection against these covers.

Protect with the Right Add-ons:

A comprehensive cover allows you to customise your policy and include some add-ons or riders that give you added coverage. During a natural calamity, these can act as a saviour for you. Here are some add-ons that can help you sail through difficult times in case of a natural calamity.

    1. Engine Protection Add-on: The engine protection add-on leads to the control of any damage caused to the engine due to water ingression or leakage of the lubricating oil. It also covers costs from the loss of engine, gearbox, or other differential parts. Replacement or repair of the engine can be an expensive affair, and an engine protection cover can protect you against engine damages caused in floods and other such natural calamities. 
    2. Zero Depreciation Cover: This add-on covers all costs incurred due to a natural disaster without deducting any costs of depreciation of the parts of the car. This helps to claim insurance for all damaged parts of the body of the car due to flood, lightning, landslides, etc. 
    3. Consumables Cover: There are certain smaller parts of the car that may also be damaged due to natural disasters. An add-on known as the consumables cover helps protect the car from all such damage to the car’s small consumables such as nuts and bolts, screws, grease, washers, clips, AC gas, lubricants, etc. 
    4. Return to Invoice Cover: If your car is completely damaged, then this cover will help you get the full invoice amount and not the Insured Declared Value (IDV) of the car. The IDV of the car is lower than the invoice amount after a suitable depreciation is charged. But with this cover, you can get the entire invoice amount that you paid for your car. However, you can only include this add-on for up to three years.


Thus, next time when you are buying or renewing online car insurance in India, make sure that your car is safe against all the natural disasters or damages caused by natural calamities. Remain stress-free during times where you have no control over what can happen to your car by purchasing a strong and extensive comprehensive auto insurance policy. 

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