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With heavy, torrential rains currently lashing south India, particularly Bangalore and Chennai, life in these metros has reached a complete standstill. While there is little you can do to control nature's ongoing fury, you can safeguard your precious two- and four-wheelers, which have little respite or protection from the ongoing vagaries of rains and floods. During heavy rains, the first in line of damage is your vehicle's engine, which could cost you a bomb! If the water enters the engine's cylinder, it can cause it to seize and leave it beyond repair. Another common damage your vehicles can face during such times is <keyword id="23605837" type="General" weightage="20" keywordseo="electrical-failure" source="keywords">electrical failure</keyword> since water seepage can cause shorting of the electrical components, including the battery, alternator, and wiring systems. Then there's moisture seepage, which can affect your vehicle's braking and fuel systems. <h2><keyword id="20224622" type="General" weightage="20" keywordseo="motor-insurance" source="keywords">Motor Insurance</keyword> to the Rescue</h2> While a comprehensive motor insurance policy might protect you against accidents, thefts, and other third-party liabilities, they might fall short when it comes to safeguarding your vehicles from damages caused by natural calamities like heavy rain. As such, you can opt for a few add-ons over and above your regular motor policy to ensure you don't end up spending a hefty amount from your pockets if your vehicles need repair. "In Chennai and Bangalore, the recent heavy rains have led to several challenges, causing multiple vehicles and home damage. Urban flooding is a phenomenon now being witnessed in most metropolitan cities. Cases of vehicles being swept away in floods have also been seen, leading to total loss" Vivek Chaturvedi, CMO and Head of Direct Sales, Go Digit General Insurance "While comprehensive motor insurance policies protect your vehicle against damage from natural disasters such as floods, cyclones, and heavy rains, you should consider add-on covers like engine protection, zero depreciation, <keyword id="22024865" type="General" weightage="20" keywordseo="roadside-assistance" source="keywords">roadside assistance</keyword>, return to invoice, and consumables. These options help cover the costs of repairing or replacing vehicle parts and any injuries or damage from accidents," he continues. Here's a ready reckoner of all add-ons you can consider: 1. <keyword id="23605835" type="General" weightage="20" keywordseo="engine-protection-cover" source="keywords">Engine Protection Cover</keyword>: This cover protects your wallet from costly repairs in case your vehicle's engine is severely damaged. 2. Zero Depreciation Cover/Bumper-to-Bumper Cover: While servicing your claims, insurers generally deduct depreciation or regular wear and tear on your vehicle. This add-on guarantees you a claim without any deduction for wears and tears. 3. Roadside Assistance Cover: You never know when your vehicle might be stalled. This cover offers repair at the site, towing, and alternative travel if one’s car is stuck on waterlogged roads. It can also include services like fuel delivery, battery replacement, or flat tire repair. 4. Tire Protection Cover: It offers repair or replacement of tires damaged due to cuts, bursts, or bulges during wet, hazardous conditions. Says Kalpesh Chavan, Senior Vice President &amp; Product Head of Elephant (Corporate Insurance Wing of Alliance Insurance Brokers), "EV owners should additionally also opt for battery protection cover and electric surge secure add-on. This add-on protects the electronic pieces and circuits of electric vehicles from any short circuits, electrical arcing, or leakage, especially through water entry." <h2>Don't crank up the engine. </h2>Got a vehicle that's flooded with water? Don't try to start it forcefully. If you do so, the insurance company can decline your claim for all the damage caused by attempting to start such a flooded engine. Your best bet in such cases is to wait till the water subsides and then try revving up the engine. Chavan adds that most car owners need to take into account how disaster-prone their area is and end up estimating the wrong coverage amount for their cars. Inadequate study of the terms and conditions of the policy may lead to claim rejections when most needed. But most importantly, if your vehicle's insurance is up for renewal, do not delay or procrastinate to do the same. Or else your car could become uninsured during the most critical periods. Maintaining up-to-date records and documentation is of the essence; missing documents may trigger unwarranted delays in the processing of claims.

Facing vehicle damage during heavy rains? Here's how motor insurance can come to your rescue

<ul><li>The engine and gearbox protection add-on offers coverage for damages to the vehicle’s engine, or gearbox due to waterlogging or hydrostatic lock during the monsoon. </li><li>With a zero-depreciation cover in place, the entire cost of vehicle repair or replacement of damaged auto parts is compensated by the insurance company. </li><li>Securing an add-on to a <keyword id="35490" type="General" weightage="20" keywordseo="car-insurance" source="Orion">car insurance</keyword> policy is possible only during the renewal period. </li></ul>For any car owner, <keyword id="6439882" type="General" weightage="20" keywordseo="monsoons" source="Orion">monsoons</keyword> can be a nightmare, especially if they live in areas prone to heavy rains, floods and water-logging. Most of our cities are susceptible to flooding during the monsoons, and recent instances of flooding in Mumbai, Chennai, Hyderabad and Bangalore are fresh in our minds. In the Bangalore 2022 floods alone, thousands of cars were damaged during the monsoons. In these times, plain vanilla insurance may not suffice. Here are five <keyword id="744230" type="General" weightage="20" keywordseo="add-ons" source="Orion">add-ons</keyword> to your insurance cover that will protect your car during the monsoons. <cmsannotation type="cmsannotation" annotationid="subhead" text="Engine and gearbox protection add-on">Engine and gearbox protection add-on</cmsannotation> During the monsoons, if your car is forced to ply on a flooded road and water damages the engine, you can run up thousands in repair costs. “This add-on offers coverage for damages to the vehicle’s engine or gearbox due to waterlogging or hydrostatic lock (occurs when a car is driven after the engine is filled with water) during the monsoon. It includes the cost of repairing, or replacing the engine parts, which can be quite expensive. This feature is strongly recommended for areas which are prone to flood and waterlogging,” says Parthanil Ghosh, president of retail business at HDFC ERGO General Insurance Company. <cmsannotation type="cmsannotation" annotationid="subhead" text="Zero-depreciation add-on">Zero-depreciation add-on</cmsannotation> Monsoons bring a fair share of challenges with a high risk of accidents and collisions due to slippery roads and hazy visibility. “With zero-depreciation cover in place, the entire cost of vehicle repair or replacement of damaged auto parts is compensated by the insurance company. However, there is 50% coverage for tyres, tubes, and batteries,” says Nitin Kumar, head of motor insurance at Policybazaar.com. <cmsannotation type="cmsannotation" annotationid="subhead" text="24x7 roadside assistance add-on">24x7 roadside assistance add-on</cmsannotation> During the monsoon season, unpredictable weather conditions can frequently lead to vehicle breakdowns, battery failures or flat tires. To avoid being stranded without assistance for extended periods, it is beneficial to consider adding roadside assistance coverage. This additional coverage provides services such as immediate repairs, towing, and arranging for alternative transportation. “This cover offers services like on-the-spot repairs, towing, and arranging for alternative transportation to save the vehicle owner from the inconvenience and heavy financial expenses while being stuck on the road during heavy rainfall,” says Kumar. Cost of add-ons <table style="border-width: initial; border-style: none;"></colgroup><tbody><tr><td colspan="2" style="border-left:solid #000000 0.9999974999999999pt;border-right:solid #000000 0.9999974999999999pt;border-bottom:solid #000000 0.9999974999999999pt;border-top:solid #000000 0.9999974999999999pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">For cars priced ₹14 lakh and above (eg. Hyundai Creta) </td></tr><tr><td style="border-left:solid #000000 0.9999974999999999pt;border-right:solid #000000 0.9999974999999999pt;border-bottom:solid #000000 0.9999974999999999pt;border-top:solid #000000 0.9999974999999999pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Add-ons </td><td style="border-left:solid #000000 0.9999974999999999pt;border-right:solid #000000 0.9999974999999999pt;border-bottom:solid #000000 0.9999974999999999pt;border-top:solid #000000 0.9999974999999999pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Cost (₹) </td></tr><tr><td style="border-left:solid #000000 0.9999974999999999pt;border-right:solid #000000 0.9999974999999999pt;border-bottom:solid #000000 0.9999974999999999pt;border-top:solid #000000 0.9999974999999999pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Zero Depreciation </td><td style="border-left:solid #000000 0.9999974999999999pt;border-right:solid #000000 0.9999974999999999pt;border-bottom:solid #000000 0.9999974999999999pt;border-top:solid #000000 0.9999974999999999pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">9,000-12,000 </td></tr><tr><td style="border-left:solid #000000 0.9999974999999999pt;border-right:solid #000000 0.9999974999999999pt;border-bottom:solid #000000 0.9999974999999999pt;border-top:solid #000000 0.9999974999999999pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Engine Protection Cover </td><td style="border-left:solid #000000 0.9999974999999999pt;border-right:solid #000000 0.9999974999999999pt;border-bottom:solid #000000 0.9999974999999999pt;border-top:solid #000000 0.9999974999999999pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">500-1,200 </td></tr><tr><td style="border-left:solid #000000 0.9999974999999999pt;border-right:solid #000000 0.9999974999999999pt;border-bottom:solid #000000 0.9999974999999999pt;border-top:solid #000000 0.9999974999999999pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Roadside Assistance </td><td style="border-left:solid #000000 0.9999974999999999pt;border-right:solid #000000 0.9999974999999999pt;border-bottom:solid #000000 0.9999974999999999pt;border-top:solid #000000 0.9999974999999999pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">100-200 </td></tr><tr><td style="border-left:solid #000000 0.9999974999999999pt;border-right:solid #000000 0.9999974999999999pt;border-bottom:solid #000000 0.9999974999999999pt;border-top:solid #000000 0.9999974999999999pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Daily Allowance </td><td style="border-left:solid #000000 0.9999974999999999pt;border-right:solid #000000 0.9999974999999999pt;border-bottom:solid #000000 0.9999974999999999pt;border-top:solid #000000 0.9999974999999999pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">1,000-2,000 </td></tr><tr><td style="border-left:solid #000000 0.9999974999999999pt;border-right:solid #000000 0.9999974999999999pt;border-bottom:solid #000000 0.9999974999999999pt;border-top:solid #000000 0.9999974999999999pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Consumables </td><td style="border-left:solid #000000 0.9999974999999999pt;border-right:solid #000000 0.9999974999999999pt;border-bottom:solid #000000 0.9999974999999999pt;border-top:solid #000000 0.9999974999999999pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">500-2,000 </td></tr></tbody></table> Source: Policybazaar.com <cmsannotation type="cmsannotation" annotationid="subhead" text="Consumables add-on">Consumables add-on</cmsannotation> Expenses like brakes, engine oil, nuts and bolts, etc, are typically excluded from a standard comprehensive plan. However, they may drive up the cost of repairs in case of damage due to flood waters. “This add-on is recommended for all geographies as it covers for the cost of consumables like engine oil, nuts, bolts and other similar items that need to be replaced during repairs and are excluded being wear and tear items,” says Ghosh. “For eg., any engine, or gearbox damage on account of impact, or water-related repairs would require oil replacement, which can be paid for under this add-on cover,” says Animesh Das, chief underwriting officer, ACKO. <cmsannotation type="cmsannotation" annotationid="subhead" text="Daily allowance add-on">Daily allowance add-on</cmsannotation> In situations where the car is completely immobilised, or undergoing repairs, this add-on feature provides compensation to cover the expenses of renting an alternative vehicle for a specified number of days, up to a predetermined daily limit. The exact daily limit for reimbursement may differ depending on the insurance company. “However, adding an add-on to a car insurance policy is (only) possible during the renewal period. Insurance providers typically allow policyholders to evaluate and modify their policy coverage during the renewal process,” says Das. During this period, the customer can assess their insurance needs and make any necessary changes or enhancements to their coverage for the next policy term.

Getting monsoon ready – Five add-ons to consider for your car insurance

As floods become a recurring threat, here’s how to insure your home from natural calamities

(Eds: Combining related stories) New Delhi, May 25 () The nationwide tally of COVID-19 cases crossed 1.4 lakh on Monday after a record number of nearly 7,000 people tested positive for the deadly virus infection during the day. The count has quadrupled since May 1 when special trains began ferrying migrants back to their native places, followed within a week by special flights to bring back Indians and expatriates from abroad. India's COVID-19 death toll has also crossed the 4,000-mark, marking an over three-fold increase since May 1, while the total number of active cases has more than tripled too in this time period. The number of recovered COVID-19 patients has also grown over six-fold since then to nearly 60,000 now. While badly-hit Maharashtra, Gujarat, Tamil Nadu and Delhi continued to report large numbers of positive cases, states like Bihar, Uttar Pradesh, Madhya Pradesh, Odisha and Jharkhand have seen their tallies reaching to the levels up to 10-times of the numbers recorded before return of their people in special trains from states where they had gone as migrant workers. Nagaland also reported its first three cases on Monday, after two men and a woman -- all in their 20s, who recently returned to the state from Chennai in a special train -- were found infected with the novel coronavirus. India's first COVID-19 case was detected in late January, but Nagaland had remained free of it so far. According to official data, the Railways has ferried around 40 lakh migrant workers in 3,060 migrant special trains since May 1. The five states accounting for the maximum number of terminating stations are Uttar Pradesh, Bihar, Jharkhand, Madhya Pradesh and Odisha, while the top five states or union territories from where these trains originated are Gujarat, Maharashtra, Punjab, Uttar Pradesh and Delhi, which incidentally have been among the worst hit by the outbreak. In their COVID-19 updates, many states and union territories have been mentioning for the past few days about people coming from other states or from abroad accounting for a large chunk of the new cases. The Union Health Ministry in its morning 8 AM update said that the total number of confirmed COVID-19 cases has reached 1,38,845 with a record 24-hour increase of 6,977 cases since Sunday morning, while the death toll has risen to 4,021. It also said that 57721 people have so far recovered from the infection. However, a tally of figures reported by different states and UTs, as of 9.30 PM, put the nationwide tally of confirmed cases higher at 1,41,794 and the death toll at 4,078. It also showed the number of recoveries rising to 59,689, but leaving over 78,000 active cases in the country. In its 8 AM morning update on May 1, the Union Health Ministry had put the number of confirmed cases at about 35,000 -- including nearly 1,150 deaths, close to 8,900 recoveries and little over 25,000 active cases. The cumulative number of confirmed cases has quadrupled since then, while the death toll has risen over three-fold and similar has been the increase in the count of active cases. However, the number of recovered COVID-19 patients has risen six-fold from that level. Indian Railways began operating special migrant trains on May 1 and nearly 40 lakh migrant workers have been ferried in 3,060 such trains since then. Many more such trains are scheduled to be operated over the coming days. The coronavirus-triggered lockdown, which has been in place since March 25, has had a devastating impact on the economy as well as on livelihoods of lakhs of migrant workers. Thousands of them were even seen walking from several urban centres to reach their villages, some of those being hundreds of kilometers away, while some of them hitched hikes in trucks. There have been incidents of many of them getting killed in road accidents, while a group of migrant labourers got killed by a speeding train in Maharashtra after they fell asleep on the railway tracks, ironically a preferred route for those unaware of exact maps. Maharashtra, the worst-hit state, reports 2,436 new cases and 60 deaths on Monday, taking its case count to 52,667 and fatalities to 1,695. At least two ministers have also tested positive in the state, while at least 18 police personnel have succumbed to COVID-19 so far. Gujarat, another badly affected state, reported 405 new cases to take its tally to 14,468, while 30 more patients died to take its death toll to 888. More than 12 lakh migrants have been ferried out of Gujarat by trains so far, most of those being headed for Bihar, Odisha and Jharkahnd, officials said. Bihar reported 180 new cases, pushing the tally to 2,574 in the state. A large number of new cases in Bihar over the last few days are among the people having returned from outside. Odisha registered its biggest spike in COVID-19 cases on Monday with 103 more people testing positive for the disease, taking the total number of infected to 1,438. Ganjam district, which has reported the maximum number of returnees from other states, tops the COVID-19 list with 353 cases, followed by 240 in Jajpur district, an official said. In Tamil Nadu, 805 new cases were reported to take the state's tally to 17,082. Haryana, Puducherry, Kerala, J&amp;K, Tripura, Uttar Pradesh, Uttarakhand, Manipur, Assam, Himachal Pradesh, Andhra Pradesh, Karnataka and Rajasthan also reported more cases. In Himachal Pradesh, lockdown restrictions have been extended till June in several areas. The cases across the country have also seen a significant spike since May 18, when the fourth phase of the lockdown came into effect with several relaxations. Nearly one-third of the cases across the country have been reported since May 18. The national recorded 635 fresh cases, taking its tally to 14,053. At least 276 deaths have also been recorded so far in the national capital. Delhi Chief Minister Arvind Kejriwal, however, said the COVID-19 situation is under control in Delhi even after the easing of lockdown restrictions. A nationwide lockdown has been in place since March 25, which was initially imposed for 21 days but has been extended thrice already and the ongoing fourth phase is scheduled to continue till May 31. 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Facing vehicle damage during heavy rains? Here's how motor insurance can come to your rescue

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India's COVID-19 tally crosses 1.4 lakh; Cases quadruple since May 1

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