Is it necessary to purchase the engine water damage exclusion rider?

1 Answers
EdwardDella
07/29/25 1:02pm
It is not mandatory. The engine water damage exclusion rider is a waiver clause. If the insured vehicle with this rider is involved in an incident where the engine is directly damaged due to water ingress during use, the insurance company will not be liable for compensation. Related information: Vehicle wading: Vehicle wading, as the name suggests, refers to driving through low-lying areas or roads with accumulated water. This typically occurs during rainy weather in low-lying sections of roads where poor drainage leads to water accumulation. Post-wading measures: Immediately remove any protective coverings from electrical components, dry any wet areas, and reinstall the fan belt. Check all gearboxes for water ingress, ensure there are no obstructions between the radiator fins of the cooling system, inspect tires for damage, and clear any debris or vegetation entangled under the chassis to restore braking efficiency. Do not attempt to start the vehicle until it is confirmed that the electrical system, engine components, and other parts are free from water ingress to avoid further damage.
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