Archive · 25 Oct 2025
Motor Insurance: Essential Protection Amid Prolonged Monsoon Season
The monsoon season can be tough on cars, with heavy rain causing more accidents and damage.
Insurance companies are helping by offering special add-ons to your car insurance, like protection for your engine if water gets in, or help if your car breaks down.
They're also making it easier to file claims, using apps and photos to speed things up.
It's important to have good insurance during this time because the longer the rain lasts, the more likely something bad will happen to your car.
Vehicle damage claims rise by up to 25% during the monsoon season.
Comprehensive motor insurance is recommended to protect against various risks.
Essential add-ons include Engine Protect, Zero Depreciation, Roadside Assistance, and Consumables Cover.
Insurers are using digital tools for faster and easier claims processing.
Drivers are advised to review policies and consider seasonal add-ons.
- Who
- Motorists
- What
- Adapting motor insurance policies to address risks from prolonged monsoons
- When
- During and after extended monsoon seasons
- Where
- Primarily in metro and coastal cities
- Why
- Due to increased vehicle damage claims and potential for engine damage
Motorists
Insurance Providers
Cost of Coverage vs. Protection
Motorists
Need comprehensive, potentially more expensive insurance to ensure protection.
Insurance Providers
Adjusting offerings and premiums based on risk and demand.
- Vehicle Damage Claim Rise
- Up to 25% during monsoons
- Essential Add-ons
- Engine Protect, Zero Depreciation, Roadside Assistance, Consumables Cover
- Policy Focus
- Comprehensive motor insurance