If your vehicle is parked outdoors and exposed to natural elements like storms, heavy rains, or floods, having a comprehensive motor insurance policy is highly beneficial.
Such a policy typically covers damage caused by natural disasters—including storms, cyclones, floods, or falling trees—under the ‘Own Damage’ section. So, if a tree falls on your car due to severe weather, the insurer would usually reimburse the repair costs, depending on the policy terms. Damaged parts like the bonnet, windshield, or roof are generally covered. However, you’ll need to pay a deductible—your share of the cost—and depreciation may apply unless you’ve opted for a zero-depreciation add-on, which is strongly recommended during monsoons.
To ensure a smooth claims process, inform your insurer promptly—ideally within 24 to 72 hours. Take clear photos or videos of the damage and avoid moving the vehicle or starting repairs until the surveyor arrives. In severe cases, the insurer may request a municipal or police report.
For added protection in high-risk areas, consider add-ons like engine protection, return to invoice, or zero depreciation. These enhance coverage and reduce out-of-pocket costs during extreme weather events.
