{"id":21591,"date":"2022-08-10T09:22:18","date_gmt":"2022-08-10T09:22:18","guid":{"rendered":"https:\/\/insuropedia.in?p=21591"},"modified":"2026-01-09T08:55:00","modified_gmt":"2026-01-09T08:55:00","slug":"which-insurance-you-should-take-for-protection-during-monsoon","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/which-insurance-you-should-take-for-protection-during-monsoon\/","title":{"rendered":"Which Insurance you should take for protection during monsoon?\u00a0"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p><span style=\"font-weight: 400;\">With monsoon on the dock, it is that time of the year when we encounter flood, humidity, and damage to our assets. Slips and falls whilst on our bikes become more common. Of course, one can not rule out the runny nose, malaria, dengue, other mosquito-led diseases, and other water-borne illnesses. There are many risks to worry about, how about hedging these risks and ensuring a peaceful monsoon with a cuppa hot tea! Here we look at those aspects against which you can easily avail yourself of coverage.\u00a0<\/span><\/p>\n<h2><b>Personal accident cover<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Riding your bike during the monsoon comes with the risk of slipping and falling. This could, in turn, lead to accidents or in some cases events of electrocution. Insurance coverage offers coverage to the insured or beneficiary in the event of death, disability, or injury of the policyholder or the 2-wheeler owner.<\/span><\/p>\n<p>A personal accident cover under the <a href=\"https:\/\/securenow.in\/property-insurance\/motor-fleet-insurance\">motor insurance policy<\/a> will provide compensation cover for:<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Any physical injury, <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Death or <\/span><\/li>\n<li><span style=\"font-weight: 400;\">A disability that occurs as a result of an accident.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The overall limit as stipulated by IRDAI is Rs. 15 Lakhs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Up until 2019, only third-party liability cover was necessary for India while purchasing a bike. However, with effect from January 2019, buying a <a href=\"https:\/\/securenow.in\/individual-insurance\/personal-accident-insurance\">Personal accident cover<\/a> is compulsory under the motor insurance Act, of 1988. The exemptions for availing of personal accident cover are as mentioned below:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h4><span style=\"font-weight: 400;\">If the owner of the vehicle already has a stand-alone accident cover with a sum insured of Rs. 15 lakhs, then the applicant need not avail of any personal accident cover separately.<\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\">\n<h4><span style=\"font-weight: 400;\">If the owner of the 2-wheeler, already has a policy with personal accident coverage for an existing vehicle (2-wheeler or car); then he need not buy another one just for the new vehicle.<\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/securenow.in\/individual-insurance\/personal-accident-insurance\">Personal\u00a0accident insurance<\/a> cover can be bought alongside third-party insurance (which is mandatory as well). Alternatively, you can avail of it as part of the comprehensive coverage, which offers wide coverage against damages and untoward incidents. <\/span><\/p>\n<h3><b><i>Benefits of personal accident cover<\/i><\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The incidence of accidents has been on the rise, especially in the case of 2-wheeler accidents. Past data indicates that the chances of death\/permanent disability due to the accident are significantly higher in the case of 2-wheeler accidents. Here are some benefits of availing a personal accident cover:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Financial assistance to the insured to ensure that he\/she can avail of the right medical treatment. This rider would pay for all associated expenses as well. Expenses such as hospital bills, medical expenses, and post-accident treatments (if any such as physiotherapy, etc) are covered.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The compensation would also help the policyholder cope with the loss of income due to an accident that results in permanent disability.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">In the event of unfortunate death, the beneficiaries can use the funds to meet financial obligations.\u00a0<\/span><\/li>\n<\/ul>\n<h2><b>Road Side Assistance\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The worse that could happen to you on a road trip is your bike fails in the middle of nowhere. However, just like Murphy\u2019s law which states, \u201cAnything that can go wrong will go wrong\u201d, this is the principle that you should implement whilst avail of insurance coverage.<\/span><\/p>\n<p>This particular feature of general insurance is particularly getting popular as the policyholder will get assistance in the event your bike (or car) breakdown. The insurer will send in assistance immediately. The coverage will include minor repairs, towing, etc. This can be availed as an <a href=\"https:\/\/securenow.in\/individual-insurance\/motor-car-insurance-policy\">add-on cover under your comprehensive motor insurance coverage<\/a>.<\/p>\n<h3><b><i>Benefits of roadside assistance coverage<\/i><\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Roadside assistance comes with an additional set of features that prove to be beneficial especially if you travel along paths with a lower population and no immediate assistance. The coverage includes claims against:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accommodation in the event the breakdown is severe and the repair may take considerable time, the insurer will bear the cost of hotel accommodation.<\/span><\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You may require to avail of alternate transportation if the repair would take reasonably longer.<\/span><\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Or you need to two the vehicle for more sophisticated tools necessary for the repair work so that the vehicle comes back to its original condition. The Roadside Assistance Add-on Cover provides this benefit as well.<\/span><\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Often the breakdown would be for any minor defect, however, a repair shop or mechanic may not be within reach. This insurance offers coverage for such minor faults as well. There is also guidance given over the phone in case you want to fix the vehicle yourself instead of waiting for a mechanic to seek assistance.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The coverage under this plan includes engine breakdown, flat tire, minor repairs, empty tank, spare key assistance, and towing, etc., There is a cap on the total number of times that you can use this assistance as per the norms mentioned in the policy documents. The assistance is available for the insured vehicle alone and only at a place where there is no other option nearby.\u00a0<\/span><\/p>\n<h2><b>Hydrostatic lock coverage<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">One common effect of heavy rains or flooding in India is that water can seep into your bike\u2019s engine and prevent your vehicle from starting. A hydrostatic lock occurs when you drive the vehicle after the water has seeped into the engine. This could also occur whilst riding your bike on a heavily flooded, waterlogged road.<\/span><\/p>\n<p>It is important to note that hydrostatic lock occurs only when the engine is running and the water seeps in whilst the engine are on and the vehicle is wading through a water-logged area. It does not occur when the bike is stationary and the water seeps into the engine. There is a high possibility in this scenario, that the bike may fail to start and would require mechanic assistance. In both cases, it is important to reach out to a professional mechanic who will help you move the vehicle from the water-logged area with minimal damage to the engine. This work is often done manually.<\/p>\n<h3><b><i>Benefits of hydrostatic lock coverage:<\/i><\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Roads in India often get flooded when water enters the engine whilst on the road. The pistons try to compress the water instead of the air. The opposing force may lead to severe damage to the engine, and this could even lead to a replacement of the engine or components of the engine. This cover will help bear the cost of such engine or components replacement.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">It is available as an add-on cover if you stay in an area where water logging is frequent; or if you need to travel during the rains in such areas, then you should consider availing of this add-on.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The plan also offers coverage for minor expenses incurred to seek professional assistance to tend to the hydrostatic lock.<\/span><\/li>\n<\/ul>\n<h2><b>Insurance for property coverage<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you transit goods during monsoon, there are high chances of damage or spoilage (depending on the type of goods) due to flooding, humidity, and other factors.<\/span><\/p>\n<p><a href=\"https:\/\/securenow.in\/property-insurance\">Property insurance policy<\/a> offers a wide range of coverage. It covers damage to the insured property due to:<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Wind, <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Fire, <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Rain, <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Snow, <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Smoke, or <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Lightning etc.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Property insurance is often an umbrella package that offers multiple add-ons based on your coverage requirements. The base policy may not cover damage due to water flooding, seepage, tsunamis, cyclones, etc.<\/span><\/p>\n<p>Other exclusions include earthquakes, molds, and acts of war like terrorism, etc. There is specific flood insurance available that protects individuals against the loss of goods against flood. Similarly, there is earthquake insurance that offers coverage against goods damaged during an earthquake.<\/p>\n<h3><b><i>Benefits of insurance against property damage<\/i><\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Offers coverage against possible income loss due to damage to the property.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Enables usage of the compensation to restore the damaged property in its original form if possible. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Or replace it with an alternative to ensure the continuation of required operations.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">It provides mental peace to the owner of the property as it ensures that any damage due to weather conditions would be compensated.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Property insurance is highly customizable in today\u2019s times. You can avail of coverage on your property which is likely to be transported or held in a single place depending on the requirement.\u00a0<\/span><\/p>\n<h2><b>Vector-borne illnesses or diseases<\/b><\/h2>\n<h4><span style=\"font-weight: 400;\">There are specific illnesses that occur during monsoons with greater frequency than others.\u00a0 Dengue, Malaria, Japanese encephalitis, kala-azar, lymphatic filariasis, and chikungunya are monsoon-driven, mosquito-induced illnesses that require hospitalization and immediate medical assistance. There are other infections such as Zika, Nipah, typhoid, haiza, etc., where the treatment could be elaborate. It may include hospitalization as well.<\/span><\/h4>\n<p>Monsoon is also that time of the year when we suffer from influenza, Covid, frequent colds, and sore throat which requires OPD expenses and often lab tests. You can avail of coverage for vector-borne diseases.<\/p>\n<p>WHO Definition of vector-borne illnesses:<\/p>\n<p><span style=\"font-weight: 400;\">As per the WHO definition, vector-borne diseases are illnesses that affect humans. These diseases that vectors can transmit are caused by bacteria, viruses, or parasites. <a href=\"https:\/\/securenow.in\/insuropedia\/what-is-vector-borne-illness-insurance\/\">The coverage for vector-borne illnesses<\/a> comes as part of the health insurance plan.<\/span><\/p>\n<h3><b><i>Benefits of vector-borne disease coverage:<\/i><\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Enables availing quality treatment without worrying about the expenses you would incur.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">With the pandemic, it has become extremely important to plan for the worst case. Many individuals found that their <a href=\"https:\/\/securenow.in\/individual-insurance\/family-health-insurance\">health insurance plans<\/a> fell short when they had Covid-related hospitalization; which led to a lot of financial stress.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Health insurance, including vector-borne diseases (or otherwise), will offer tax benefits under section 80D. The premium paid is tax-deductible up to Rs. 25,000 for yourself and your immediate dependent family.\u00a0<\/span><\/li>\n<\/ul>\n<h4><strong>Conclusion:<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">It\u2019s in your hands to make the most of the monsoon. Like all other insurance, it is advisable to<a href=\"https:\/\/securenow.in\/insuropedia\/how-to-compare-insurance-quotes-things-to-remember\/\"> assess your insurance requirement and compare across products<\/a> to avail plans which align with your requirement.<\/span><\/p>\n<p>SecureNow platform helps identify risks possessed by individuals or firm owners. It provides a comparison of the best protection plans to choose from that fit their requirements.<\/p>\n<h3><span style=\"font-weight: 400;\">Written By-\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Gunjan Saxena<\/span><\/p>\n<p><span style=\"font-weight: 400;\">MBA Insurance Management<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With a robust background in the insurance industry, Gunjan is a seasoned professional who brings 10 years of expertise to group personal accident insurance. Throughout her career, she has demonstrated a deep understanding of the intricacies and nuances of insurance products, particularly in personal accident coverage. Having worked closely with both individuals and businesses, she has gained valuable insights into the diverse needs and challenges faced by clients seeking insurance protection. Her experience encompasses designing tailored insurance solutions, providing expert advice, and guiding clients through the insurance process with confidence and clarity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Through her articles, Gunjan aims to educate and inform readers about the importance of group personal accident insurance and the benefits it offers in safeguarding against unforeseen events.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>With monsoon on the dock, it is that time of the year when we encounter flood, humidity, and damage to our assets. Slips and falls whilst on our bikes become more common. Of course, one can not rule out the runny nose, malaria, dengue, other mosquito-led diseases, and other water-borne illnesses. There are many risks [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"no","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[281,2],"tags":[36,193,700],"class_list":["post-21591","post","type-post","status-publish","format-standard","hentry","category-importance-group-personal-accident","category-group-personal-accident","tag-health-insurance","tag-property-insurance","tag-personal-accident-insurance"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/21591","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=21591"}],"version-history":[{"count":16,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/21591\/revisions"}],"predecessor-version":[{"id":34405,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/21591\/revisions\/34405"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=21591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=21591"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=21591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}