Archive · 7 Aug 2026
Monsoon car insurance: essential covers and add-ons for EV owners
When the monsoon season comes, there is a lot of rain and streets can flood.
Rain can damage cars, and fixing them can cost a lot of money.
Car insurance is a kind of protection that helps pay for repairs.
But a normal insurance plan does not cover every kind of rain damage.
Electric cars have special parts, like big batteries and motors, that are very sensitive to water.
These parts are also very expensive to fix or replace.
That is why experts suggest buying extra insurance add-ons.
Add-ons like Battery Protect help if the battery gets wet, and Zero Depreciation means you get the full cost back for new parts.
Roadside Assistance helps if your car stops working, and Tyre Protect covers tires hurt by potholes.
So, people with electric cars should think carefully about their insurance before the rains come.
A comprehensive motor insurance policy covers accidents, theft and natural calamities but may not protect against every type of monsoon-related damage.
Electric vehicles are more vulnerable to water-related damage because of high-value components such as lithium-ion batteries, electric motors, battery management systems and onboard charging equipment.
Experts recommend add-ons including Battery Protect, Zero Depreciation Cover, Roadside Assistance, Return to Invoice and Tyre Protect for EV owners during the rainy season.
Gaurav Arora of ICICI Lombard says the fundamentals of motor insurance remain the same for internal combustion engine vehicles and electric vehicles.
ICICI Lombard sends proactive alerts based on weather forecasts from credible authorities to help vehicle owners prepare for heavy rainfall.
- Who
- Vehicle owners, especially those considering or owning electric cars, and insurance expert Gaurav Arora of ICICI Lombard.
- What
- Guidance on motor insurance covers and add-ons needed to protect vehicles, particularly EVs, from monsoon-related damage.
- When
- During the monsoon season; no specific date is stated in the article.
- Where
- Areas affected by heavy rains, flooded streets and waterlogging; the specific location is not explicitly stated.
- Why
- To help vehicle owners avoid hefty out-of-pocket repair costs from rain-induced vehicle damage.
- Mandatory insurance
- Third-party liability insurance required for every EV, like any other vehicle
- Comprehensive policy covers
- Accidents, fire, theft, natural calamities and other unforeseen events
- Vulnerable EV components
- Lithium-ion batteries, electric motors, battery management systems, onboard charging equipment
- Recommended add-ons
- Battery Protect, Zero Depreciation Cover, Service Assure Roadside Assistance, Return to Invoice, Tyre Protect
- Expert quoted
- Gaurav Arora, Chief – Commercial Lines & Motor (Underwriting & Claims), ICICI Lombard
- Insurer mentioned
- ICICI Lombard
- Main monsoon risks
- Heavy rains, flooded streets, waterlogging, potholes and submerged road hazards