1First: Don't Start the Engine
If water has reached the engine, do not crank or start it. Water sucked into the engine can bend internal parts — a repairable car becomes a seized engine. Insurers often treat damage caused by starting a flooded engine as consequential damage and refuse it.
Push the vehicle to higher ground if it is safe to do so — never at the risk of your own safety.
2Is Flood Damage Covered?
Yes! Comprehensive motor insurance covers flood damage under "Natural Calamities." Given Assam's flood-prone geography, we always recommend Comprehensive insurance with an Engine Protect add-on. This covers engine damage from water ingression — a very common issue in Assam's rainy season.
- Third-Party only: pays nothing for your own vehicle.
- Comprehensive: pays for flood damage to your vehicle.
- Engine Protect add-on: needed for engine damage from water.
3How to Make the Claim
- Take photos and a video of the vehicle, the water level and the surroundings — before anything is moved.
- Inform the insurer as soon as possible — call us and we register the claim with you.
- Tow, don't drive the vehicle to a cashless network garage. We help you find one.
- Surveyor inspection — the insurer's surveyor checks the damage and approves the estimate.
- Repair and settlement — in a cashless claim the insurer pays the garage directly; you pay only the non-covered part.
4Documents You Will Need
- Insurance policy copy
- RC (Registration Certificate)
- Valid driving licence copy
- Duly filled claim form (we help you fill this)
- Repair estimate from garage
- Accident photos / video
5What Insurers Usually Don't Pay
- Depreciation on parts — unless you have Zero Depreciation cover.
- Engine damage from water — unless you have the Engine Protect add-on.
- Consumables like engine oil, nuts and bolts — unless you have Consumables cover.
- Anything if the policy had lapsed on the day of the flood.
6Get Ready Before the Next Monsoon
- Renew with Comprehensive cover + Engine Protect + Zero Depreciation.
- Keep photos of your RC and policy on your phone.
- Park on higher ground when heavy rain is forecast.
- Save our number: 70996 09955 — we are on call 24/7 for emergencies.