The Kerala floods are a terrible tragedy. More than 400 people have died and over 6 Lakh citizens have moved to relief camps. Crops and Properties worth over Rs 8,000 Crores have been destroyed. More than 20,000 houses have been destroyed in the floods. The CM of Kerala Pinarayi Vijayan has said that Kerala floods have caused losses to the tune of Rs 20,000 Crores. International aid is pouring into Kerala as Pope Francis has appealed to the International Community to help flood victims in Kerala.
PM Modi has announced a Rs 500 Crore relief package, after conducting aerial tours of parts, worst affected by the floods. Many State Governments have contributed Crores of Rupees for rescue and relief in Kerala.
This may seem small, but scores of cars have been destroyed in the Kerala Floods. Tata Motors has offered free towing for Tata motor cars and Utility Vehicles, damaged in the floods in Kerala. Mercedes Benz, TVS Motors and Volkswagen have extended support to the people of Kerala affected in floods. Nissan India has extended services to affected customers.
National Insurance Co, New India Assurance, Oriental Insurance Co and United India Insurance Co are helping the people of Kerala whose insured property was damaged in floods. LIC is fast tracking all insurance related claims under the Pradhan Mantri Jeevan Jyoti Bima Yojana. SBI has announced temporary waiver of charges on transactions in Kerala.
Now to the big question…. What to do if your car is damaged in floods? Want to know more on car insurance? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products. We only provide FREE financial advice/education to ensure that you are not misguided while buying any kind of financial products.
The Kerala floods have destroyed cars, with engines submerged for hours. The engine is the heart of the car and gets damaged if it is started in water-logged areas. Water gets sucked into the engine causing permanent damage. If the car engine is submerged for hours, it gets totally destroyed.
Car insurance plans in India are of 2 types. You have the third party liability insurance and a comprehensive car insurance plan. The third party liability insurance compensates a third party, who is injured or his/her vehicle/property damaged in an accident, caused by you. It’s compulsory to avail third party liability insurance in India.
A comprehensive car insurance plan protects your car from damage caused by floods, earthquakes and natural calamities. But, even a comprehensive car insurance plan, doesn’t cover all damages to your vehicle. This is why you need add-ons with a car insurance plan.
Auto insurance plans do not cover damage to engines caused due to engine seizure. This happens when a car is started or driven through a water-logged area, very common in flood hit areas of Kerala.
The rules are clear. Stop driving so that water does not get sucked into the engine. But, the engine may get submerged, causing monetary losses in Lakhs. This is why you need an engine protector plan.
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