Does the first-year insurance for a new car include water damage coverage?

[VanVivienne]

New car insurance in the first year does not include water damage coverage; it must be purchased separately. Below are relevant details: 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 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 category within the property insurance sector. 2. Water Damage Coverage: Water damage coverage, also referred to as auto loss insurance or engine special loss coverage (terminology varies by insurer but the coverage is essentially the same), is a newly developed insurance type. It is an additional coverage that car owners can purchase specifically for engine protection.

[CarmenRose]

When I bought a new car, the first-year insurance usually didn't include the additional coverage for water damage, so I had to pay extra to add it. I remember when I first picked up the car, a friend reminded me that because the engine of a new car is sensitive, water damage repairs could cost over 10,000 yuan. The basic insurance package typically only covers vehicle damage and third-party liability, while water damage coverage must be actively selected as an add-on when purchasing insurance. I discussed it with the insurance company, and they said that in cities with heavy rainy seasons, spending an extra 200-500 yuan per year for this protection is absolutely worth it. Later, I added it, and half a year later, a major storm hit—fortunately, the water damage coverage saved me from paying for engine repairs. I advise new car owners not to skimp on this small expense and to regularly review their insurance policies and weather forecasts to prepare for the unexpected.

[AmaraAnn]

Water damage insurance isn't automatically included in the first-year coverage for new cars—it's an add-on. During my first year with the new car, I was too busy joyriding and almost got stuck in floodwater during rain. A knowledgeable buddy later told me that water damage coverage isn't standard for new cars; insurers don't include it by default—you have to request it. This add-on covers engine repair costs from water ingress, which is totally worth the few hundred bucks extra per year in flood-prone areas like mine. New car engines are delicate, and repairs after submersion can be crazy expensive. I added it immediately and felt much more at ease afterward. Folks buying new cars, remember to confirm policy details with customer service to avoid missing this point. Pair it with the habit of driving slowly through water for extra safety.

[Edward]

From a repair perspective, new car insurance in the first year generally doesn't include water damage coverage, which needs to be purchased separately as an add-on. I often encounter customers who tow in waterlogged vehicles, with many new owners neglecting this because water damage insurance only covers engine damage from water ingress, not included in basic coverage. Although factory-new cars have fresh assemblies, heavy rain and flooded roads still pose high risks, with repair costs easily exceeding tens of thousands. I recommend owners proactively ask their agents to add this coverage when purchasing a car - the small annual premium is worthwhile. Don't rely solely on basic insurance complacently; regularly reviewing policies and heeding weather alerts can save significant money.

[Ida]

I bought a new car last year, and the first-year insurance didn’t include water damage coverage, so I had to add it separately. When I asked the insurance company, they explained that the basic policy only covers vehicle damage and third-party liability, while water damage is an add-on. I spent 250 yuan to add it, and it proved very useful during flood season. New cars especially need protection in their first year—engine water damage is expensive and time-consuming to repair. I recommend new car owners not skip this step; just a quick call to customer service makes it easy. Combining this with choosing parking spots away from low-lying areas offers even more security, keeping both insurance and life stable.