How Road Conditions in Chennai Can Affect Your Coverage?

Engine Protection Cover-In flood-prone Chennai, water can easily enter your car’s engine. This cover safeguards against damage to vital components like the gearbox, pistons, and connecting rods, repairs for which may cost around ₹1,20,000. It ensures you do not bear these expenses out-of-pocket, which are otherwise not covered under standard policies.

Zero Depreciation Cover-This add-on eliminates depreciation deductions during claim settlement. For example, if a repair costs ₹20,000, without this add-on, the insurer may pay only ₹10,000. With zero depreciation cover, the full ₹20,000 is reimbursed, helping you to maximise your claim amount. 

No Claim Bonus Protection-No claim bonus protection is useful in congested roads of Chennai, where minor accidents can take place anytime. By opting for this protection plan, Chennai drivers can avail a discount of up to 50% for claim-free years, applicable for 5 consecutive years. You can protect your accumulated NCB even after one claim settlement. 

Personal Accidental Coverage for Passengers-Suppose you took your family for a short road trip and met with an accident. Choosing this accident coverage, you can protect your family from accidents or other unforeseen circumstances. 

Return to Invoice Cover-If the car is under total loss or stolen, opting for this add-on will provide you with the full invoice value, not the depreciated value. Choosing this coverage is essential in flood-prone areas where water can damage your vehicle. 

24*7 Roadside Assistance-Opting for this coverage is essential during times of road emergency. It provides support if you are stuck in a waterlogged area or damaged road areas in Chennai. This add-on ensures mechanical help immediately and fixes issues in your vehicle at a reasonable price.