Does a new car come with water damage insurance?
3 Answers
Not included. Below is relevant information about water damage insurance: 1. Insurance Type: Water damage insurance is an additional coverage, and additional insurance for motor vehicles is an important component of motor vehicle insurance. Motor vehicle insurance mainly includes additional theft insurance, additional spontaneous combustion loss insurance, additional water driving loss insurance, additional newly added equipment loss insurance, additional no-deductible special insurance, additional driver accidental injury insurance, additional designated repair insurance, etc. Insurance customers can choose to add coverage according to their needs. 2. Precautions: When a vehicle stalls due to water while driving, the probability of engine damage is 50%; however, if the engine is restarted after stalling, the engine will definitely be damaged. Insurance companies will not compensate for engine damage caused by forced ignition.
I just bought a new car and was also thinking about flood insurance. Generally, new cars don’t include flood insurance—it’s an additional add-on. Basic insurance only covers collisions or theft, etc. Flood insurance mainly covers engine damage caused by waterlogging. With the unpredictable weather these days, summer storms are frequent, and even new cars can easily have issues when driven through deep water. Fellow car owners told me the insurance premium is just a few hundred bucks—not expensive but quite practical. I’d advise new drivers to consult about adding it when signing up for insurance, rather than regretting it after an incident, especially if you live in low-lying areas. Even a brand-new car can’t withstand flooding. Regularly checking your car’s ground clearance can also help prevent problems, but getting flood insurance gives extra peace of mind.
Having driven for over a decade, I know well that waterlogging insurance isn't standard for new cars. While new car engines perform well, flood risks are significant, especially during rainy seasons with waterlogged roads. Waterlogging insurance covers engine water damage, costing just a few hundred yuan annually but saving hefty repair bills. I've seen new cars without it incurring tens of thousands in repairs after flooding. I recommend contacting your insurer post-purchase to add this coverage—it's straightforward, just fill out a form. Also, avoid starting the car immediately after water exposure to prevent worsening damage. For safe driving, heed weather warnings and steer clear of deep water areas.
