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Hydrostatic Insurance For Cars: What It Is And Why You Need It
[Posted by: InsuringIndia Blog on 23-Feb-2016]

Most of us like to believe that we’ve taken a safe route against all possible obstacles once we insure our car. Now imagine a situation where you’re wading through water or your car is immersed in water in a parking lot. You turn the key in the ignition and after a few seconds, your engine falls silent. Repeated attempts yield no results. When you call your insurer to make a claim, you get turned down because your insurance policy doesn’t cover this type of damage. Consequently, you burn a hole in your pocket.


Today, getting third party insurance cover for your car is mandatory under the Motor Vehicle Act 1988. Most people think that buying a comprehensive cover for their car means that unforeseen issues like accidents and minor damages are covered. What they don’t know is that buying an add-on cover to your car insurance can save you a big headache and a huge additional expense. This is why every car owner should seriously consider opting for hydrostatic insurance.


This is a unique add-on cover that ensures your additional expenses like engine damage due to water ingress among other things are taken care of. This also takes into account full replacement of engine and other parts, if required.


Heavy rainfall or flood is not a manmade disaster, but an act of nature. Whether your car is parked in a waterlogged area or passing through a deluge, water will enter your car. In this situation, it’s a good idea to not turn the key in the ignition otherwise it can lead to engine breakdown and damage to not only one or two parts, but the entire electrical circuit, which then might need replacement. This could escalate expenses. This phenomenon is applicable not only to car owners residing in coastal areas but also to anyone living in the rest of the country, as monsoon spares no one.


Rain or flood water enters the engine through the air intake valve of the car. For effective functioning, the piston needs to function smoothly to facilitate the car starting up. But if water has entered the cylinder, it replaces the gas required for combustion. Since water is non-compressible, it stops the piston from completing its stroke required to create the spark that ignites the engine. Thus, your car cannot start.


In this situation, most people would try to start the car over and over again, which is the worst possible thing to do as it sucks in more water into the engine and causes even more damage. Here again, most people are not aware that insurance companies will reject the claim as this would constitute “consequential loss”. The claim will be processed only if consequential loss is also included in the policy.


All you need to know about Hydrostatic Cover


·        Do not start your car if you’re in a waterlogged area

·        Call your insurer immediately and request for assistance

·        It’s a good idea to opt for a zero depreciation policy which also includes this type of cover

·        If your car is stuck, roadside assistance like a tow-away facility can be provided depending upon the type of policy you have opted for.


Even if you pay extra for this type of cover, remember, it’s totally worth it. While buying these polices always read the fine print and compare existing policies --premium, benefits, disadvantages, sops, terms and conditions--to see what suits your needs the best. It's always best to buy an insurance policy online as it saves time, is cost effective & is a transparent option.

Get Free Comparison and Quotes of the Best Car Insurance in India. 

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*This is based on the difference between the highest and lowest premium's for a single person, age 25, looking for an individual health policy with the sum insured of Rs. 5 lakhs.
**This is based on the difference between the highest and lowest premium's for a single person, age 25, looking for a term plan, with the sum insured of Rs. 30 lakhs, and the premium paying term of 30 years.
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