Post the torrential rains, I am worried about my car being stuck in the rains. Do insurers offer any special insurance specifically for the rains, or any special period of the year?
Gagandeep Singh, Delhi
Motor insurance primarily comes with two covers – third party liability, which is a must have and own damage cover. Normally, there is no special monsoon only motor insurance policy. Considering engine seizure to be one of the biggest problems during rains, insurers have started to offer add-on covers which covers repair or replacement of engine parts due to water in the monsoons. You can buy a motor policy with this additional cover to protect your car from hazards posed by monsoons.
