Does a new car come with water damage insurance?
3 Answers
Water damage insurance is not included in the first-year insurance for a new car; it needs to be purchased separately. Below is relevant information: 1. Vehicle Insurance: Vehicle insurance, also known as motor vehicle insurance or car insurance, refers to a type of commercial insurance that covers personal injury, death, or property damage caused by natural disasters or accidents involving motor vehicles. Car insurance is a form of property insurance and is considered a relatively new type of coverage in the field of property insurance. 2. Water Damage Insurance: Water damage insurance, also referred to as auto loss insurance or engine special loss insurance, varies in name among insurance companies but is essentially the same. It is a newly derived type of insurance, specifically an additional coverage that car owners can purchase for their engine.
I've bought several cars, and when it comes to the original insurance package for a new car, it's hard to say whether it includes flood coverage. Most standard insurance policies don't cover it, as flood insurance is usually an add-on that requires extra payment. Living in a rainy area in the south, I learned the hard way last year when my neighbor's car got flooded during a heavy storm, causing engine damage and costing over ten thousand in repairs—only then did they regret not adding flood coverage. So, before buying a new car, it's best to ask the salesperson or insurance advisor about the contract details. They can recommend whether it's worth adding based on the car model and region. I suggest carefully reviewing the policy terms to clarify what’s covered—for example, flooding while parked is usually included, but driving through water isn’t—don’t confuse the two. If you live in a flood-prone area, paying a few hundred extra in premiums can save you big money. Also, staying alert to weather forecasts and parking on higher ground as a preventive measure helps—don’t rely solely on insurance.
The water submersion insurance for new cars is not a standard feature and needs to be purchased separately. Otherwise, if the vehicle gets flooded and damaged, it can be a huge hassle—especially in flood-prone low-lying areas in the south. I once experienced an accidental flood that nearly totaled my car, and the repair costs could have bought half a new car. Now, whenever I buy a car, I proactively add this insurance. The premium isn’t high—just an extra 200-300 yuan a year—covering losses like engine flooding and electrical short circuits. Compared to the risk of accidents, it’s a much better deal. I recommend that new car buyers carefully check their insurance policy details and not just rely on sales pitches. Safety first—adding water submersion insurance plus comprehensive scratch coverage provides greater peace of mind. Just drive carefully and avoid deep water pools.
