The seasonal car rush is an amalgamation of large-scale celebrations, unpredictable weather and a surge in vehicular traffic. Navigating the road during this time requires solid car insurance coverage. While a third-party cover is mandatory, a comprehensive car insurance policy is the most recommended choice for its exhaustive coverage. Besides the known benefits of third-party liability cover and accidental damage cover, it has several other benefits. On this page, we will take a look at the lesser-known benefits of comprehensive car insurance during the seasonal car rush.
Before explaining the hidden benefits of a comprehensive car insurance policy, let us see the common problems during the seasonal car rush below:
1. Increased risk of collisions
Seasonal car rush means a major surge in vehicular traffic. More vehicles on the road mean increased traffic congestion, leading to bumper-to-bumper traffic. In such conditions, even experienced drivers may face minor scratches and dents.
2. Impaired drivers
Not every motorist on the road adheres to the rules. During festivals, there’s an increased number of drunk driving incidents. They significantly elevate your risk of getting involved in a car accident.
3. Risk of non-collision damages
Even on festive occasions, antisocial behaviour persists. Rise in incidents of theft, vandalism and riots poses a severe threat of damage to your car. Similarly, the possibility of natural calamities due to unpredictable shifts in weather patterns shouldn’t be overlooked, as they can cause major damage or loss to your vehicle.
Hidden benefits of comprehensive car insurance during the seasonal car rush
While comprehensive car insurance covers third-party liabilities and damage to the car due to accidents, it has other benefits that many often overlook. Here are some hidden benefits of comprehensive car insurance during the seasonal car rush:
1. Better savings for car owners
With comprehensive car insurance, you can earn a no-claim bonus (NCB) and use it to save on your own damage premiums. If your policy is due for a renewal during the seasonal rush, you can get it done with ease and utilise your savings somewhere else.
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2. Reduced downtime
If you depend on your car for work and travel, having your vehicle out of action just won’t do during the seasonal car rush. Thankfully, with comprehensive car insurance, you get the benefit of cashless repairs through network garages. It ensures prompt and hassle-free repairs, without any need for upfront bill payments. It significantly reduces vehicle downtime and offers financial relief.
3. Customised benefits with add-ons
You can include add-ons to your comprehensive car insurance policy. Each add-on has its own perks; you can utilise them during the seasonal car rush as you’ve selected them. For example, dealing with a vehicle breakdown during the seasonal car rush can be a hassle. Even a simple towing facility can take hours to arrive. But, if you have picked the roadside assistance add-on with your comprehensive car insurance, you can get round-the-clock help for services, such as towing, minor on-site repairs, and battery jump starts.
Similarly, the engine protect add-on covers the car’s engine against damage due to flooding during unpredictable weather shifts. On the other hand, a zero depreciation add-on is crucial to cope with major and minor damages due to bumper-to-bumper traffic. If you are confused about comprehensive and zero depreciation in car insurance, read “Comprehensive vs Zero Depreciation Insurance: Know the Difference?”.
Conclusion:
The seasonal car rush elevates the risk of damage to the car due to a surge in vehicular density, bumper-to-bumper congestion and non-collision incidents. To efficiently navigate these situations, a comprehensive car insurance plan is critical. Besides its coverage against third-party liabilities and accidental damages, it has a plethora of lesser-known benefits, such as reduced vehicle downtime, better savings and additional support with customised add-ons.
At Generali Central, we help you with your car insurance needs. We offer comprehensive car insurance plans at attractive rates with instant quotes and practical add-ons.
