Hey! I just bought a new car, spending all my savings on it. Great! But have you secured it with any Car Insurance? If yes then have you maximized your car insurance policy with roadside assistance and other benefits? Let’s take a look at how you can make the most of your Car Insurance.
An exhaustive car insurance policy comprises of Engine Protect, Roadside assistance & Quality Assurance. Vehicle breakdown in the middle of the road during heavy rain has been a regular scene in monsoon. Unavailability of any mechanical help or inaccessibility to any garage leaves the driver and passengers feeble. Opting roadside assistance in such case through your policy is now accessible. On the spot mechanical assistance has been extended by the insurance company to fix the problem or immediate towing facility has been made available to the workshop or nearest garage. However, excluding these trivial repairs and towing, your car insurance policy also covers pre-eminent requirements such like fuel arrangements, replacements of the tyre and arranging battery for your car in emergencies. Furthermore, extending these covers, some insurance companies also render the facilities like hotel accommodation and arranging alternate vehicle as advanced benefits.
Sometimes during monsoon or heavy driving, engine is made to cease. Water ingression can lead to engine failure. The problem gets worst when driver tries to run the engine faster. A basic car insurance policy doesn’t cover the engine failure because of water ingression. A Hydrostatic Cover or Engine Protect should be taken to not only cover the external damages but also to drive advantages of engine breakdown or escape of any internal liquids.
Focusing on ‘Insured Declared Value’ (IDV), insured gets paid as per the declaration in case of any loss, damage or theft of the vehicle. However, insured can lose the road tax & difference between the IDV and ex-show room price of the vehicle while getting paid by the insurance company.
Today, insurance company also safeguards your vehicle with quality repairs at an authorized workshop while claiming. Quality repair by an authorized workshop holds significant importance as it rubs off all the possibility of any harm to your beloved vehicle.
Keeping all these things in mind, calling and confirming all the coverage on your car insurance policy before going for any repair or servicing to your vehicle is highly advisable. Timely help & repair and roadside assistance during monsoon or any emergencies render peace of mind.