The weather is unpredictable, and in states like Kerala, natural disasters are becoming more frequent. During seasons such as the monsoon, Kerala has been witnessing an increase in floods and landslides. One of the main questions from those taking insurance is whether vehicles are covered in the event of natural disasters.
The monsoon season brings heavy rainfall across all districts of the state, and many also ask whether damage caused by trees falling on vehicles during heavy rain will be covered. This is what we are looking into here.
If a vehicle is parked in an open space and exposed to weather-related risks such as storms, heavy rain, or floods, owners with a comprehensive motor insurance plan are entitled to favourable coverage.
Damage to your vehicle caused by natural disasters like storms, cyclones, and floods can be claimed under a comprehensive policy. This means that even if a tree falls on the vehicle and causes damage, you can file a claim and receive compensation. Such incidents typically see insurance claims covering the cost of repairing parts like the windscreen, roof, and bonnet.
Taking a zero-depreciation add-on cover helps you receive the claim amount for replaced vehicle parts without applying the depreciation factor. It is advisable to opt for such a policy during the monsoon season.
To ensure a smooth claims process, the vehicle owner must inform the insurance company immediately after the incident. Most insurers have a set time limit, usually between 24 and 72 hours. It is also advisable to take clear photographs and videos of the damage and the surrounding area to support your claim. Repairs to the vehicle should be avoided until the insurance company’s survey is completed.
In some cases, insurance companies may require supporting documents such as a note from the local self-government body or the police. This is usually needed if the damage is severe or involves public property. A surveyor appointed by the insurance company will inspect the damage before approving the claim. If you live in an area prone to large-scale natural disasters, it is worth considering adding covers such as engine protection, return-to-invoice, zero-depreciation, or V-Pay to your policy.
To ensure a hassle-free claims experience, it is important to inform the insurance company promptly about the incident, provide accurate documentation, and follow the procedures carefully.
