Cyclone Biparjoy: Does Your Car Insurance Policy Cover You Against Cyclonic Storm? All You Need To Know

Cyclone Biparjoy was a “very severe” to “extremely severe cyclone that hit Gujarat. It caused a lot of damage to life and property. Consider investing in comprehensive car insurance to reduce personal damage during a natural disaster like a cyclone. However, not all car insurance policies cover cyclones. Online third-party car insurance policies are cost-effective but lack disaster coverage. Consider standalone own damage or comprehensive insurance to protect against cyclones, floods, and earthquakes. As far as the cost goes, you can use a car insurance calculator to estimate the costs of your premium. Claims are subject to terms and conditions set forth under the motor insurance policy. *

Advantages Of Having Car Insurance During A Cyclone

• Cashless Claim

You can ask your insurance provider for a cashless claim if a cyclone has seriously damaged your car. Your damaged car must be transported to the closest network garage, and the insurer is responsible for setting the costs. Claims are subject to terms and conditions set forth under the motor insurance policy. *

• No Claim Bonus

A comprehensive car insurance policy‘s no-claim bonus (NCB) can also benefit you. If you don’t make any claims under the policy terms, you receive a concession on your renewal of car insurance. In addition, a new policy allows you to transfer your current NCB. Claims are subject to terms and conditions set forth under the motor insurance policy.*

• Simple Claim Procedure

A comprehensive car policy also offers the convenience of a simple inspection and claim procedure, enabling one to access top-notch services during a natural disaster.

How Do You File A Claim After A Cyclone?

-Remember not to start the engine if your car is submerged in water due to a cyclone. This is because starting the engine if water has entered the vehicle may be a terrible idea and will only worsen the damage. Await the damage assessment from the insurance company representative.

-Let your insurance company know as soon as you can inspect your vehicle. In this case, calling them is preferable to sending them an email or going to the office is the ideal course of action.

-The gathering of evidence is a crucial step in making a claim. An efficient way to do this is by taking photos and videos of the cyclone’s damage. Make sure to document the precise damage. Additionally, cyclone news can serve as supporting evidence.

-Before contacting the insurance company, ensure you have all the information about your car insurance policy because it will make the claim processing process go more smoothly.

-After completing the steps above, submit a claim using the insurance company’s app or website. A representative from the insurance company may also be consulted when filing a claim.

-After the verification process, the car may be fixed at the shop.

-Depending on the chosen procedure, the claim may be resolved: Reimbursement or cashless.

Total Loss

IDV (Insured Declared Value) is crucial in car insurance. When damage is irreparable, the insurer pays the IDV, declaring it a total loss if repair costs exceed 75% of IDV. Cyclones often lead to total loss situations.

*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.