Is Engine Damage From Flood Covered Under Your Policy?

Taking Known Risks: If you know of a probable risk of driving and you do it anyway, your insurer might not cover it. For instance, driving your car despite flooding on the streets.

Force Starting a Submerged Car: Trying to start your car after it has been submerged can cause severe internal damage. Many insurers do not cover claims if the engine was forced to start post-submersion.

Water Ingress Exclusions: Some insurers do not accept claims due to water damage if water entry is not a part of the water ingress cover.

If your car’s exhaust and air filter are submerged in water, do not switch on the ignition or start it by push-starting it.

Make sure the car is off, and then disconnect the wires from the battery and tow it to the garage.

Pull out your car with the help of towing services, and do not start the car even if some water is flushed out.

Test your brakes after a flood, as it can affect the functionality.

Step 1: Take initial precautions (as outlined in the first aid section) to prevent further damage.

Step 2: Inform your insurer immediately through their website, app, or helpline. They will direct you on what steps you need to take next.

Step 3: Collect necessary documents such as Registration Certificate (RC), Driving License, and policy document. Both hard copy and soft copy are acceptable in such situations.

Step 4: Make sure to upload supporting evidence, such as images or videos of the damaged car and location.

Step 5: Once you start the claiming process, your insurer will verify the claim and settle the claim request.