Is it necessary to purchase waterlogging insurance separately?
3 Answers
No. Waterlogging insurance has been included in the vehicle damage insurance. As an additional insurance type, waterlogging insurance cannot be purchased separately. It can only be purchased after compulsory traffic insurance and vehicle damage insurance have been obtained. Below is the relevant introduction: Waterlogging insurance: This insurance mainly provides compensation for engine damage caused by driving through water or being submerged. However, if the vehicle owner forcibly starts the engine after being submerged, causing damage, the insurance company will not compensate. Because waterlogging insurance only compensates for losses caused by vehicles within the coverage scope, it is essential to carefully review the relevant insurance terms before purchasing. Notes: For legal drivers involved in accidents within the coverage scope, compensation will be provided for the expenses incurred in repairing or protecting the engine based on the actual situation.
I just got my driver's license not long ago and encountered this issue when buying car insurance. The waterlogging coverage is an additional protection for damages caused by vehicle submersion in floods or wading through water, which isn't included in the basic auto insurance, so I later specifically added it. Looking back, the insurance broker said the basic policy only covers ordinary accidents, while water-related risks require a separate rider. I live in an area that doesn't get much rain, but considering climate change, there could be heavy rains every summer. If I didn't have this coverage and my car got flooded, repairs could easily cost over ten thousand. Now I just pay a little extra each month for peace of mind. By the way, it's best to check the insurer's policy before buying a car as different companies may have variations. Also, when driving, never force your way through standing water - protecting the undercarriage can significantly reduce risks.
With over 40 years of driving experience, I can say with some authority that flood insurance indeed needs to be purchased separately—it's not part of basic coverage. I remember back in the rural areas, floods would often damage cars, and without additional coverage, repair costs could wipe out half a year's savings. Nowadays, standard auto insurance typically only covers collisions and theft, so water damage requires a separate add-on. Insurance companies will ask if you want to include it when signing the contract, and I recommend opting in, especially for those in southern regions with heavy rainy seasons—don't skimp on that small expense. The price is reasonable, offering big protection for a small cost. Also, during regular maintenance, check the door seals to ensure they're watertight—this double layer of precaution makes for safer driving.
