Can Water Wading Insurance Be Purchased Separately?

[RyderLynn]

Water wading insurance cannot be purchased separately as it has been incorporated into vehicle damage insurance and is considered an additional coverage. Below are relevant details about water wading insurance: 1. Introduction: Water wading insurance is a newly derived type of auto insurance, primarily serving as an additional coverage purchased by vehicle owners for engine protection. It mainly provides compensation for engine damage caused by driving through waterlogged roads or submersion. However, if the engine is forcibly started after submersion, resulting in damage, the insurance company will not provide compensation. Additional auto insurance coverages include comprehensive theft insurance, standalone glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion loss insurance, and water wading insurance, among others. 2. Coverage Scope: Water wading insurance is an add-on to vehicle damage insurance, meaning it can only be purchased on top of vehicle damage insurance. The coverage scope, insurance liabilities, exclusions, and compensation limits for water wading insurance are essentially the same across different insurance companies, as these are uniformly regulated by the insurance regulatory authority, with no fundamental differences.

[ArielFitz]

The waterlogging insurance is indeed an additional coverage that needs to be purchased separately and is not automatically included in the main policy. I've been paying attention to car insurance details since last year when I bought insurance at the 4S dealership. The advisor reminded me that the main vehicle damage insurance doesn't cover waterlogging losses, such as engine damage caused by vehicle submersion after heavy rains. At that time, I proactively added waterlogging insurance, which cost me a few hundred yuan extra in premiums. But just recently during the rainy season, my car got flooded, and the repair costs amounted to tens of thousands—fortunately, this insurance covered it all. This type of coverage is particularly suitable for those living in areas prone to heavy rainfall or who frequently drive through low-lying areas. I recommend everyone to ask their insurance companies about which additional coverages are worth adding when purchasing car insurance—don't try to save small amounts only to suffer big losses later. Safety comes first, so it's worth spending some effort to ensure comprehensive protection.

[DeMatthew]

Water damage insurance must be purchased separately, and I'll share my personal experience with you. When I bought my first car, I naively assumed the main insurance covered everything. That summer, during a typhoon, my car got flooded, resulting in heavy losses. The insurance company refused to compensate because I hadn't purchased the water damage rider. I learned my lesson and now make sure to add this option every time I renew my policy. It's not too expensive—just a few hundred yuan more based on the car's value—but it covers repairs after water damage. If you usually avoid driving through flooded areas, you might skip it. But for those like me living in the Jiangnan region with frequent rainy seasons, adding it brings peace of mind. When talking to your insurance advisor, remember to mention this rider—don't wait until it's too late to regret it. Overall, water damage insurance is an extra layer of protection tailored for your car.

[LeSpencer]

The water wading insurance is an additional coverage that needs to be purchased separately, as it is not included in the main auto insurance policy. With years of driving experience, I know all too well how easily accidents can happen in low-lying areas during the rainy season. For instance, our city frequently experiences heavy rainstorms. Without this coverage, if your car gets flooded and the engine takes in water, the repairs can be both costly and troublesome. It's important to proactively add water wading insurance when purchasing your policy—it's quite affordable, usually just a few hundred yuan extra. This coverage is especially suitable for older car models or areas prone to flooding. Remember, don’t skimp on it for the sake of saving a little money; safe driving requires comprehensive protection. I recommend checking your policy details every time you renew to ensure this coverage is included.

[JuliannaMarie]

The wading insurance must be purchased separately. I know this because my neighbor's car was just flooded the day before yesterday. Fortunately, he had added this additional coverage, and the repair costs were reimbursed for several thousand. The main auto damage insurance only covers accidental collisions, not wading damage, so you need to add an extra option when insuring. My family's SUV is used year-round and is prone to water ingress during heavy rain and slippery roads, so I always add wading insurance every time I renew the policy. It costs a few hundred more in premiums but is worth it. It's best to ask the insurance company about the specific terms, as some areas may require extra attention to avoid payout issues after flooding. Don't underestimate this small expense—it can save you big money and protect your beloved car in critical moments.