Can Water Wading Insurance Be Purchased Separately?

2 Answers
RyderLynn
07/25/25 7:54am
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.
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ArielFitz
08/10/25 6:44pm
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.
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