Coverfox.com
  • Insurance
    • Car
      • Car Insurance
      • Companies
      • Third party car insurance
      • Comprehensive car insurance
      • Car insurance calculator
      • New car insurance
      • Zero Dep Car Insurance
      • Buy Car Insurance
      • Compare Car Insurance
      • Car Insurance Articles
      • Cashless Garages
    • Bike
      • Two Wheeler Insurance
      • Two Wheeler Insurance Companies
      • Two Wheeler Insurance Claim
      • Two Wheeler premium Calculator
      • Third party Bike insurance
      • Multiyear Bike Insurance
      • Bike Insurance Articles
    • Health
      • Health Insurance
      • Companies
      • Mediclaim Policy
      • Individual Health Insurance plans
      • Critical illness insurance
      • Senior citizen health insurance
      • Arogya sanjeevani policy
      • Health Insurance Articles
      • Network Hospitals
    • Term
      • Term Insurance
      • Companies
      • Life insurance
      • Life Insurance calculator
      • Term Insurance calculator
      • Life Insurance Plans
      • 1 crore term insurance
      • Compare Term Insurance
      • Buy Term Insurance
      • Term Insurance Renewals
      • Term Insurance Articles
      • Life Insurance Articles
  • About Coverfox
    • About us
    • Insurance Blog
  • Claims
  • Contact us
  • Login
image title
CAR INSURANCE

Motor Insurance Tips for Driving Through Waterlogged Roads

Shamshuddin S 19 May 2016

Monsoon is around the corner, and although rains are enjoyable, they pose a threat to your vehicles. In this article, you will get some essential and smart tips regarding motor insurance while driving through waterlogged roads. Coverfox provides these tips for your best interests, keeping your vehicle protected in the rain.

Motor Insurance

Getting your car insured before the monsoons is a sensible decision. If you had to drive through a waterlogged street, the engines could be damaged. No wonder there is a spurt in motor claims during this period due to poor visibility, slippery roads, etc. But remember, if you are negligent while driving during waterlogging, your insurance claim can be revoked.

For example, In case your vehicle is parked in a flooded basement street, it’s engine can get stalled. This raises the risk of engine seizure or failure in case the water enters the engine via exhaust pipes. There are two things that can happen here -

  • Considering your vehicle is stalled, you would be entitled to receive the claim. This includes towing and on-spot inspection charges too.

  • But trying to crank up or start the engine is considered gross negligence, as per motor insurance guidelines. In such an instance, you would lose your claim.

So, to avoid these mishaps, here are some valuable car insurance tips for your vehicle in such situations-

Get 'Engine Protector' Add-on Coverage

If you are stalled due to waterlogging, don’t start the engine as mentioned above. Call an inspection expert to tow the vehicle away. Starting the vehicle causes more damage to the engine, resulting in you losing the insurance claim. The exception here is the Engine Protector add-on coverage, which covers engine costs.

Under this coverage, your engine undercarriage is also covered. For example, oil leak or gearbox damage due to waterlogging is covered under the same. But if you don’t have this add-on cover, don't start your engine or attempt driving with a snag.

This cover is ideal for those with low floor cars that have higher risk of engine seizure. You can get this cover along with a base auto insurance plans at affordable rates.

Roadside Assistance

Special add-ons like Roadside Assistance are a boon during the monsoon season when flooding and waterlogging can happen at any time. Cars get stalled and you need to call the insurance company for towing it to the service centre. The Roadside Assistance takes care of this towing cost.

Zero Depreciation Cover

Zero Depreciation Cover is another sensible plan that ensures that you receive the full claim - without reducing or deducting the amount for parts replaced. Depreciation on replaced parts like bumper can reduce your claim amount by almost 50%. Simply put, you get your full claim with this add-on.

But this is not applicable for vehicles more than 5 years old. The total cost for this plan would be about 0.20-0.25% of the Insured Declared Value or IDV of vehicle.

Tips For Safe Driving through Waterlogged Streets

Generally, it is not recommended to drive through waterlogged streets due to the threat they pose. But if you have to pass through such a street, here are a few safety tips to keep in mind:

  • Driving with water level above the tyre level is not advised. Stop driving and take an alternate route because the water force would be more than vehicle's weight.

  • If the water level is below tyre level and you need to wade through, start with first gear. Gently press on the accelerator to increase engine RPM. This prevents the silencer from getting blocked. To reduce car speed, use the clutch. However, don’t let engine speed go down. Once you cross this zone, accelerate the engine again to cleaning the silencer.

  • For slippery roads, always keep a safe distance from other cars. Use fog lights if it is still raining heavily.

  • Ensure that your insurer is informed about vehicle damage within 48 hours. This way, you will have a quicker evaluation of the loss and sort out legal issues.

  • Give way. And literally yes, let someone else go first. It may sound mean right now but you would be able to assess the road conditions. If the other car gets stuck down the road, you know turning back makes sense.

  • Drive through the middle of the road. The depth here is usually the least as compared to sides.

Being reckless or rushing through a waterlogged street will risk vehicle damage along with loss of claim. So, avoid speeding and rash driving to minimise your financial risks.

banner_img
Compare Plans & Save up to 85% with Coverfox Car Insurance!

Conclusion

The rainy season is one of the crucial seasons in India, and is considered a boon for most of the time. But, for vehicles, it is definitely a bane. Ensure your vehicle is protected with a comprehensive motor insurance plan, and get necessary add-ons to ensure maximum protection. Keep in mind, having insurance is not enough – you need to protect your vehicle first, insurance will cover your back, but better as the famous saying goes, “Precauation is better than cure”.

Read More:

5 Things you must have in your car this Monsoon

Car Insurance Important During Monsoon Time?

Frequently Asked Questions

What is the best way to drive through a flood?

Do not try to drive through a flood. Floods are a natural disaster that poses an imminent danger, not just to your property but towards your life as well. Get shelter or high ground during a flood, and insurance will cover damages to your car if you have comprehensive insurance.

How to safeguard a car from a flood?

Try to keep the vehicle parked in a safe and dry place where water will be harder to reach, and cover your vehicle to avoid seepage.

What should I do if my car gets stuck in waterlogged roads?

If you get stuck, switch off your engine to avoid further damage.

What types of car insurance cover water damage?

Engine protection cover will cover water damage done to your engine.

What is the best car insurance add-on for monsoon protection?

Engine protection cover and roadside assistance are the best add-on options you must have during monsoons.

Can I claim insurance if my car is damaged due to waterlogging?

If you have comprehensive motor insurance, along with engine protection add-on, you can definitely make a claim against motor insurance.

Insure your car in 5 minutes

Upto 85% discount.

expert assist 100% buying & claim support
express claims 3 Day Car Repair
Service
Rated 4.7/5

for Customer Satisfaction on Facebook
5,00,000+
Policies sold
last year
MUST READ
POPULAR OTHERS
Best Mileage SUVs
Top Mileage SUVs in India 2025: Combining Efficiency, Style, and Safety
Car Policy
My car is stuck in water due to heavy rains
Track Your Vehicle With GPS
A Guide To Track Your Vehicle With GPS
Insurance Claims for Flood Damaged Cars
Step by Step Guide to Insurance Claims for Flood-Damaged Cars
How to Park a Car Perfectly
How to Park a Car Perfectly with Step-by-Step Guide
Hybrid Cars in India
Top 5 Hybrid Cars in India: Best Fuel-Efficient Options
  • Car Insurance Companies
  • Tata AIG Car Insurance
  • New India Car Insurance
  • Acko Car Insurance
  • ICICI Lombard Car Insurance
  • HDFC ERGO Car Insurance
  • Kotak Car Insurance
  • Most Insured Cars
  • Hyundai Car Insurance
  • Maruti Car Insurance
  • Honda Car Insurance
  • Force Car Insurance
  • Tata Car Insurance
  • Mahindra and Mahindra Car Insurance
  • Most Insured Models
  • Swift Dzire Car Insurance
  • Elite i20 Car Insurance
  • Vitara Brezza Car Insurance
  • Wagon R Car Insurance
  • Maruti 800 Car Insurance
  • Baleno Car Insurance
  • General Insurance Companies
  • National insurance
  • Oriental insurance
  • United India Insurance
  • Relience General Insurance
  • New India Assurance
  • TATA AIG General Insurance
  • Driving License
  • Driving License
  • Driving License Status
  • Driving License Renewal
  • Registration Certificate
  • Learning License
  • Delhi driving license
  • RTO
  • RTO
  • Uttar Pradesh RTO
  • Punjab RTO
  • Gujarat RTO
  • Madhya Pradesh RTO
  • Maharashtra RTO
icon Car Insurance icon Articles icon Motor Insurance Tips For Driving Through Waterlogged Roads
×

Get Lowest Rates for car Insurance

With Upto 85% Discount

  • Secure
  • Licensed By
  • Payment Options
  • Car Insurance
  • Bike Insurance
  • Motor Insurance
  • Car Insurance Premium Calculator
  • Family Health Insurance
  • Senior Citizens Insurance
  • Group Insurance
  • Corona Rakshak Policy
  • Corona Kavach Policy
  • Super Topup Plan
  • Term Insurance
  • ULIP
  • e-Term Plan
  • 1 Cr Term Insurance
  • कार इन्शुरन्स
  • टू व्हीलर इंश्योरेंस
  • टर्म इंश्योरेंस
  • हेल्थ इंश्योरेंस
  • मेडिक्लेम पॉलिसी
  • Learn About Insurance
  • Network Hospitals
  • Cashless Garages
  • Get Android App
  • Get iOS App
  • Learn
  • About Us
  • Contact Us
  • Careers
  • Sitemap
  • FAQs
Connect with us
Become a Partner
Become a Coverdrive POS Agent

Coverfox Insurance Broking Pvt. Ltd. : C Wing, 6111-6118, 6th Floor, Oberoi Garden Estate, Chandivali Farm Road, Chandivali, Andheri (East), Mumbai - 400072

Licence No. 478 , IRDA Direct Broker Code: IRDA/ DB 556/ 13 , Valid till: 26/12/2025, CIN: U66000MH2013PTC243810

  • Shipping & Delivery Policy
  • Privacy Policy
  • Legal Policies
  • Cancellation & Refund
  • Terms & Conditions
Copyright © 2025 Coverfox.com. All Rights Reserved