Flood Damage Covered By Car Insurance | PayBima |

I wonder, if the flood was covered by the car insurance? Flooding is one of several natural disasters that wreak havoc on affected areas. The wrath of nature falls on people and property, cars included. This blog discusses the most common types of damage to vehicles during a flood and whether the loss is covered by insurance.

Flood damage is not an unheard of phenomenon. Every year in India, heavy rainfall falls in several parts of the country and some of them are miserable to witness floods. The affected areas are said to have been severely damaged due to widespread flooding, which includes loss of life and property. A number of vehicles parked on the streets were also dragged into the water or completely destroyed. Can this huge loss be covered by car insurance? Let’s find out in this post.

Does Car Insurance Cover Flood Damage?

Yes, auto insurance covers flood damage, as long as you have purchased comprehensive insurance. A comprehensive plan is one that covers the cost of repairing or replacing a vehicle, especially after it has been damaged in a natural or man-made disaster.

Natural disasters include natural disasters such as floods, earthquakes, droughts, hurricanes, typhoons, etc. Man-made disasters refer to damage caused by human-controlled events. Examples include fire, traffic accidents, theft, etc.

Comprehensive auto insurance is usually more expensive but can cover major losses that occur in the event of flood damage. The vehicle may require costly repairs or be damaged by flooding. In all these cases, the owner can spend a lot of money, which can be solved by a comprehensive plan.

What Is Third Party Car Insurance?

Car insurance policy is different from third party car insurance. This result provides information on damage to another person or vehicle. This is an important insurance plan that provides financial protection to the third party in case of any damage that the owner may cause to the former.

Third party car insurance is different from general insurance that provides comprehensive protection for the car and the car owner, including third party liability. Also comprehensive insurance is an optional plan against third party car insurance that must be purchased by law.

Read More: 8 Tips for Driving Safely on Flooded Roads

The Type Of Car Damage That Will Be Caused By Flooding

In the event of a flood, your vehicle may be damaged in the following ways:

  • Damage to electrical and electronic equipment: Flooding often causes short circuits, damaging the functionality of the vehicle’s electrical and electronic components, such as the warning lights on the dashboard.
  • Engine damage: During flooding, water can also enter the engine, causing partial or complete damage to its internal components.
  • Car upholstery damage: The interior of the car, such as seats, floor mats/carpets, and other materials can become wet due to water entering the car. It can also damage the upholstery.
  • Damage to the gearbox: Water can get inside the gearbox, causing it to stop working.

Additional Car Insurance Riders to Reduce Flood Damage

You can buy comprehensive car insurance online to get protection against car damage caused by floods. However, your general policy may not cover all losses due to a vehicle’s gearbox or engine due to flooding. Therefore, to protect against repairs or damage to the interior parts of the vehicle, you may need to purchase additional riders in addition to your basic plan for coverage.

Here are some riders that provide you with comprehensive protection against flood damage to your vehicle:

  1. Purchase cover: In most cases, a complete system will not cost the replacement cost of the vehicle. These include nuts and bolts, engine oil, grease, washers, etc. Additional coverage for consumables covers the cost involved in replacing or repairing some of these consumables due to damage to their functionality due to flooding.
  2. Engine protection: Engine maintenance involves a very high cost and without additional cover, you may have to take all the money out of your pocket. Thus, it would be wise to buy the rider.
  3. Roadside assistance: If water floods the roads during a flood, a car may break down in the middle of the road. This is where a roadside assistance rider can help. Your insurance will arrange for a mechanic to be on hand to reach you or take your car to the nearest repair shop.

How Can You Avoid Car Damage During a Flood?

Yes, your car insurance can cover losses caused by flood damage; however, it is possible to avoid such damage by following these steps:

  • Choose the best parking space. In areas where it rains a lot, always be careful to park your car on high ground. This mainly reduces the risk of water ingress causing damage to internal parts and components of the vehicle.
  • Keep the battery connected. When it’s raining outside, unplug your car battery the entire time. This will help prevent short circuits if water gets into the engine and internal electrical components.
  • Check the windows again. Make sure they are always wrapped and that there is no chance of water getting into the car.


Flooding is a natural phenomenon and can rarely be avoided. However, you can avoid damage to your car by following the steps mentioned above. If a car is damaged due to flooding, you can be prepared with a car insurance policy.

Make sure to renew your car insurance online every time it expires to avoid losing money in the event of an emergency. To find the right car insurance plan online, do a thorough search online for the different plans available from different insurance companies. This will give you a better idea of ​​the best car insurance in India and help you make an informed decision.

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