Is Water Wading Insurance Included in the First Year of a New Car?

[StPenelope]

Water wading insurance is not included in the first year of a new car's insurance coverage and needs to be purchased separately. Below is relevant information: 1. Vehicle Insurance: Vehicle insurance, also known as motor vehicle insurance or auto insurance, refers to a type of commercial insurance that covers personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Auto insurance is a form of property insurance and is considered a relatively new category within the property insurance sector. 2. Water Wading Insurance: Water wading insurance, also referred to as auto loss insurance or engine special loss insurance (terminology varies by insurer but the essence remains the same), is a newly derived type of insurance. It essentially means that the car owner purchases an additional rider for the engine.

[JoannaAnn]

I just bought a new car and am particularly concerned about insurance. In the first year of a new car, standard insurance usually doesn’t include water damage coverage, so that’s something to keep in mind. Water damage insurance is an add-on, meaning you’ll need to actively purchase it or add it to your commercial insurance. For example, where I live, summers bring heavy rain, and underground garages are prone to flooding. Engine repairs due to water damage can cost tens of thousands. When I picked up my car, the salesperson recommended adding water damage coverage—it doesn’t cost much, just over 200 yuan a year, but it can save a lot of trouble. Also, remember to check the fine print on your insurance policy—don’t just rely on what the salesperson says. Contact the insurance company yourself to confirm the coverage details. New car owners might get caught up in the excitement, but don’t overlook insurance specifics—ask questions, do your research, and avoid paying out of pocket if something happens. If you do encounter flooding, report it to the insurer immediately, take photos for evidence, and the process is actually quite quick.

[Dylan]

I've been driving for several years, and flood insurance is generally not included in the basic coverage for the first year of a new car. The initial insurance package provided by the manufacturer is very basic, mainly covering collisions and theft. Flood insurance requires you to pay extra—it covers water-related damages like engine flooding. I overlooked this with my car back then, and after a heavy summer rainstorm, the engine was totaled, costing tens of thousands in repairs. Now I understand—when buying a new car, it's essential to consult customer service and spend a little extra on add-on coverage. Flood insurance isn't expensive, costing around 300 per year, but it protects major components. Especially for those living near rivers or in rainy areas, it's absolutely worth it. During maintenance, also pay attention to checking seals—don't wait for problems to arise before regretting it. When renewing car insurance annually, always reconfirm the terms—don't skip the hassle, safety comes first.

[JohnnyAnn]

In the first year of a new car's insurance, water damage coverage is usually not included by default. It is an add-on option under commercial insurance, which the car owner must choose to purchase. Quotes from different insurance companies may vary by tens of yuan, so it's advisable to compare several providers. Adding water damage coverage can protect against engine damage caused by water ingress, such as from heavy rain or flooding. The premium varies by vehicle model, typically costing an additional 150 to 500 yuan for a new car, making it a worthwhile investment to protect your asset. Don't assume a new car is immune—risks increase with extreme weather. Before finalizing insurance, read the contract details carefully to avoid claim disputes. It's a good practice to check the vehicle's drainage system before each rainy season.