India mein urban flooding aam baat ho gayi hai aur standard insurance sab cover nahi karta. Agar aapko monsoon mein heavy repair bills se bachna hai, toh ye 4 add-ons add karwana banta hai.
Aajkal shehron mein baarish ka paani bhar jana ek common risk ban gaya hai. Log aksar sasta insurance lekar khush ho jate hain, par jab gaadi ka engine paani mein phasta hai, tab pata chalta hai ki basic policy mein bohot gaps hain. Isliye monsoon shuru hone se pehle apni policy check karna zaroori hai.
Zero Depreciation Add-on (Bina deduction ke claim)
Standard policy mein plastic, rubber aur fiber parts par depreciation kat-ta hai, jisse claim amount kam milta hai. Sirf ₹1,500 extra dekar aap 'Zero Dep' add-on le sakte hain, jisse aapko bina kisi katoti ke parts ka pura replacement cost mil jayega.
Return to Invoice (RTI) - Total Loss se bachav
Agar gaadi chori ho jaye ya itni damage ho jaye ki thik na ho sake, toh RTI aapko gaadi ki original invoice value (taxes aur registration ke saath) dilwata hai. Sirf ₹1,000 ke aas-paas ka premium badhakar aap apne naye vehicle ki puri value secure kar sakte hain.
Engine Protection - Sabse bada life-saver
Monsoon mein sabse zyada kharcha engine ke 'hydrostatic lock' hone par aata hai. Base policies is damage ko cover nahi karti. Ek pro-tip: Kabhi bhi paani mein gaadi band ho jaye, toh use restart karne ki galti na karein, varna insurance company aapka claim reject kar degi.
Roadside Assistance (RSA)
Paani mein phasi gaadi ko galat tarike se tow karne se damage badh sakta hai. RSA add-on lene se aapko authorized towing aur spot par battery jump-start jaisi services milti hain, jo mushkil waqt mein bohot kaam aati hain.