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Vehicle Protection & Maintenance Tips against Monsoon Damage

Published on June 16, 2020. EST READ TIME: 5 MIN

As we are on the verge of getting relief from the searing heat with the arrival monsoon, many of us can related to the happy memories we had spent in the rainy season, but the rains can spell trouble for our two wheelers and car. Not only our daily commute on the vehicle gets a bit affected also the continuous rain, water filled in the potholes and low areas can damage your vehicle. 

In India it is not just drizzles, but most of the state’s experience heavy rainfall resulting in waterlogging, floods in many parts of nation which leads to precarious driving condition for the drivers. Most of the accidents happen during the monsoon season, the prime reason is that most of the drivers do not take the precautionary measures like maintenance to avoid any mishaps or accidents.

Although we can get a car insurance or two wheeler insurance to protect your car/two-wheeler from unforeseen events like accidents let’s discuss few tips to protect your prized possession. It is also mandatory as per the government rules under Motor Vehicles Act 1988, that all the vehicles have valid motor insurance at all times.

Monsoon Vehicle Maintenance Tips - Ways to make your Vehicle Monsoon Safe

  • Windscreen Wipers: These are in continuous use as you travel on your vehicle in the rain; therefore you need to ensure that they are in best condition. They generally last for two to three years but if take into consideration intense heat, prolonged monsoon; they experience continuous wear and tear. Windscreen fluid also needs to be checked. You need to use suggested fluids for purpose of cleaning.

  • Maintenance of Tyres, Brakes, and Battery: Riding on slippery surfaces and road filled with rain water can be a strain on the tyres, brakes and the battery of your vehicle. Wet surfaces can cause the tyres to lose their grip therefore it is important to monitor tyre conditions and to check tyre pressure.

Also you should monitor the brakes both the front and the back one. With heavy traffic and wet conditions, you can end up using your brakes a lot more often, getting your brake pads, brake   fluids and brake lines checked by a motor mechanic would be a good idea.

Electrical components can also get affected severely due to rains, therefore all the electrical Components and wires can be checked for safety purpose. You could also apply a coat of Petroleum jelly on battery terminals at regular period which could ensure better maintenance.

  • Avoid Water Logged area: This one was easy, you clearly need to avoid driving through areas that are water logged, open manholes, and lack of visibility and uneven roads could lead to accidents and inflict severe damage on your vehicle. If you have to drive through the water logged area, you need to drive carefully, at a cautionary speed and follow the traffic rules. In the event of your vehicle getting stuck in flooded area, call up the towing service and take it the nearest garage. You could also ask for the toll free roadside assistance number. You pushing to start you vehicle can result in the engine getting damaged.

  • Taking safety precaution would serve you well whether it is a rainy season or a summer season. Always make sure to wear a helmet when riding your two wheeler as it can protect you in case of an accident and also the indicator lights are working fine as the visibility can get hampered a lot during the times of rain. Wearing bright colored gears will also help you stay visible.

  • You could go for an underbody coat if you are living in city like Mumbai, Chennai or Kolkata not so much in New Delhi. Getting it done well ahead of monsoon season so that there is no early winter rust formation.

  • Staying Insured: Even when you are following all the traffic rules and taking the precautions, your vehicle could still get damaged. One of the best ways to make sure that such claim damages do not give you a serious financial setback considering the cost of parts of the car and the difficulty in getting them, it would be a highly wise decision to get your bike or car insured with the bike insurance or the car insurance respectively.

Getting a comprehensive insurance cover for the vehicle would be beneficial proposition for you, as it offers coverage for claims from the third party in event of accident and also in case of damage to your own vehicle from natural calamities like lightning, landslide and flood or from man-made events like the riots, civil unrest. Also it offers add-on’s like the roadside assistance cover, engine protector, consumables and zero depreciation.


As we enter the monsoon season, taking extra care of our vehicles be it two wheeler or car would ensure that our commute during the rainy season would be smooth. With the onset of monsoon, vehicle owners are concerned as this is the season when they have to incur most of the damages to their vehicle. One cannot ignore this cost as the safety of the car/bike is of utmost importance as any negligence on this can result in any untoward incident like accident.

This blog has been written by

Mukesh Kumar | Motor Insurance Expert | 36+ years of experience in insurance industry

A veteran in the insurance industry, Mukesh Kumar has the expertise of handling various functions like Business Development, Underwriting, Claims, Human Resources, Quality Management and Marketing. With rich knowledge of the industry, he loves to share his views on topics of insurance sector and takes special interest in educating people on advantages of having insurance.

Mr. Mukesh Kumar recommends "getting your two wheeler insured from HDFC ERGO, a brand serving more than 1 crore+ customers. With overnight repair services and more than 6,800+ network garages, you can be assured of help in event of any damage to your vehicle.

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