If a tree falls on my car due to heavy rains, will that be covered under my insurance policy?

Car Insurance

Nature can be unpredictable, and so can its impact on your parked car. Here’s whether your insurance will cover damage if a tree falls on it during heavy rains or a storm.

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My vehicle is parked in an open space. If a tree falls on it due to heavy rains or a storm, will thatbe covered under my insurance policy?

Expert Advice: In your situation, where the vehicle is parked in an open area and exposed to weather-related risks like storms, heavy rains and floods, having a comprehensive motor insurance policy works in your favour. Under a comprehensive motor insurance plan, damages caused to your vehicle due to natural calamities such as storms, cyclones, floods, and even a falling tree due to these calamities are typically covered under the ‘Own Damage’ section of the policy. So, if a tree were to fall on your car due to strong winds or heavy rainfall, the repair costs for the resulting damage would generally be reimbursed by your insurer, subject to policy terms and conditions. The insurance claim would usually cover the costs of repairing parts such as the windshield, roof, or bonnet, whichever components are damaged due to the impact.

However, it is important to be aware of the deductible component. This is the amount you must pay from your pocket before the insurer settles the remaining claim. There may also be a depreciation factor applied to the parts being replaced, unless you have opted for a zero-depreciation add-on cover, which is highly recommended, especially during the monsoon season.

To ensure a smooth claim process, you should inform your insurer immediately after the incident. Most insurance companies have a time limit, usually 24 to 72 hours, within which you must report the damage. It is also advisable to take clear photographs and videos of the damage and the surrounding area to support your claim. It is advised to avoid moving the vehicle or starting repairs before the survey is completed, unless instructed otherwise. In some cases, the insurer may require supporting documents such as a note from the local municipal body or police, especially if the damage is severe or involves public property. A surveyor appointed by the insurance company will inspect the damage before approving the claim.

If you live in a storm-prone area or frequently face extreme weather conditions, it is advisable to explore add-ons like engine protection cover, return to invoice, zero depreciation cover, or a more comprehensive add-on V-Pay, which can offer extended protection and minimise out-of-pocket expenses. While your comprehensive policy does cover the scenario you described, these add-ons provide greater peace of mind, especially during the monsoon season when the risk of such incidents is higher.

In conclusion, yes, your comprehensive motor insurance policy does provide coverage if a tree falls on your vehicle due to a storm or heavy rains. Just ensure timely intimation, proper documentation, and adherence to the insurer’s process to ensure a hassle-free claim experience.

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