When it rains, people love to curl up under a blanket and read a lovely book with some hot chocolate on the side. What they don’t realise is they are enjoying the privileges of the season, there is also a downside to rain, and that’s damage to assets and danger to life. However, there are several add-ons that you can take today to minimise the financial burden This is a smart choice that everyone must make but is unaware of or ignorant of its benefits.
Some of the add-ons for your car and bike are as follows-
- 24/7 road assistance cover– Being stranded in the middle of the night can be scary, but it is avoidable. You can get yourself a 24/7 cover that primarily provides you with service around the clock. This will minimise financial burden and damage by getting on-time assistance.
- Hotel stay cover– The most unique add-on is getting an accommodation cover. Imagine you are on a road trip and you are stranded late at night in the middle of a road you have no clue about. Your phone battery is almost dying. It’s frightening and unsafe. This is when this add-on comes in handy. It helps to keep yourself and your loved ones safe in a lonely and deserted area.
- Daily allowance cover– This is a very thoughtful option provided as an add-on. If your repairs are not done in a day, you will be compensated by the insurer for your daily travel expenses. The amount given remains the same for all days, regardless of whether you travel or not on that particular day.
- Zero Depreciation– In this particular add-on, if your car suffers any damage, the amount given to you for repairs will be the full amount without deducting any kind of depreciation. This comes in very handy because you are often worried that, because of your car’s declining value, you won’t have enough funds to get the parts repaired. So, with this coverage, you can get your parts fixed without getting rattled.
- Engine protection cover– The engine of the car is what drives it, and it thus costs a good amount of money. This add-on ensures that you will be compensated if any kind of damage happens to your engine. It covers things like an engine malfunction, water ingression, leakage of oil, or replacement of parts.
- Tyre protection cover– This cover specifically focuses on the tires of your car. In case of any accidental damage or loss of your tires, this add-on will compensate you for their replacement or repair.
These add-ons are not part of your comprehensive policy plan. Choose the add-ons keeping the severity of the monsoon in your area in mind and what would be the best-suited option for you because there is no one-size-fits-all concept here; it’s all about tailoring it to your needs.
While taking these add-ons, be very mindful about reading the terms and conditions. People overlook these things because they are usually in a hurry and end up paying a higher price later. You must remember that there is no catch as such that helps the insurer earn a profit running into millions. These add-ons are for you, made by someone like you who was plagued by these problems during the monsoon season several decades ago. So, go for it. These add-ons will help you hate the monsoon season a lot less and enjoy watching the divine dance of the rain a lot more.
