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A guide to insurance claims for flood-damaged cars

By Finserv MARKETS - Sep 12,2019
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A guide to insurance claims for flood damaged cars


Monsoons in India can range from light drizzle, humidity, reckless rain showers to floods. It is all fine until the traffic jams lead to delays and the collected water on broken roads leads to water-logging. The months of July and August can be especially hard to navigate – intense rainfall is predicted in larger parts of India, and Mumbai headlines this event. People residing in the coastal areas are told to avoid venturing near the sea or in the water-logged areas. Even though rains can lead to floods and bring the cities to a halt, our professional commitments require us to abide by the adage, ‘the show must go on’. In such a scenario it becomes impossible to avoid commuting in the harsh weather.

While your car can brave the weather, the chances of your car getting hurt are high. Natural calamities like floods may come with a preamble, but there is nothing to be done once the damage is done. Except that you can protect your car financially against the potential damages through car insurance.

When you take a policy, it covers you for potential risks that your car may be exposed to. The policy ensures vehicle coverage against natural calamities like floods, earthquakes, landslides, fires, lightning and hurricanes. Now in the event of floods, the water can damage your car and its components, some of them irreparably. How much damage the car sustains depends on the amount of water that enters the car. Major flooding and submerging of the car could mean damage to the vehicle’s engine, airbags, and electrical system. Minor flooding and contact with water could manifest as rust, mold, mildew. In any case, the good news is that a car insurance policy would cover your vehicle for such damages. All you have to do is file a claim in a timely and succinct manner.

Here’s a quick guide to claiming insurance for your flood-damaged car.

First things first, survey your car to understand the damage. Then register your claim with your insurer either online or through the toll-free number. Make a note of details such as policy number, engine chassis number, accident date and time. It is very important to keep the insurance documents handy and safe. Furnish all the required information with the insurer, including details like the location where the car was parked, whether it was being driven, whether care was exercised to prevent the damage. Once the claim is registered, you will receive a claim registration number which can be used for future communications/references/interactions.

If your car is in a working condition drive it to the nearest garage for repair, or have it towed depending on the severity of the damages. To avail the cashless facility, make sure to take your car to the nearest network garage.

An important step in the car insurance claim process against a natural calamity like flood is the survey of the car. The insurer will assess the total damage of your car, and then break down the costs into the ones payable by the insurer and those payable by you. At this point, you should make sure this cost split aligns with the car policy terms and conditions.

The result of this process is the claim approval sheet, a copy of which is retained by you. In the meantime, the garage will work on the car repairs. Once the car is repaired you can check the repair and take the delivery of your car if you’re convinced.


Monsoons, coupled with the unpredictable weather patterns due to climate change, can be a huge setback for the smooth functioning of our daily lives. This includes your vehicles that bear the brunt of heating and wear-and-tear during summers, and fight against the bumpy pothole-ridden roads during wet periods. Car insurance becomes imperative when you think of all the risks your four-wheeler gets exposed to.

Bajaj Allianz Car Insurance offers comprehensive coverage against road-accidents, damages caused due to natural calamities and man-made disasters. You can also enjoy cashless claim facility across 4000+ garages and no claim bonus up to 50%. In fact, when you buy this policy on Finserv MARKETS, 24X7 spot assistance is also provided as an add-on feature. It could be an extremely crucial add-on for such incidents as it provides coverage against loss of car keys, minor repairs that could include jump-starting dead batteries, replacing flat tyres, towing facility, fuel assistance, providing taxi for you.

To know more on Car Insurance and related topics in depth, you can check out these blogs:

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Bajaj Finserv Direct Limited ("BFDL"), erstwhile Bajaj Financial Holdings Limited is a registered corporate agent of Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz General Insurance Company Limited under the IRDAI composite registration number CA0551 valid till 10-Apr-2021. BFDL also renders services to Bajaj Finance Limited (‘BFL’) and Bajaj Housing Finance Limited (‘BHFL’) (referred hereinafter as ‘Lending Partner’) in sourcing of customers, providing preliminary credit support activities, fulfilment services and post-acquisition customer services related to lending business. Registered Office: Bajaj Auto Limited Complex, Mumbai – Pune Road, Akurdi, Pune – 411 035 CIN: U65923PN2014PLC150522