Is Water Wading Insurance Purchased Separately?
2 Answers
Water wading insurance is an additional coverage to vehicle damage insurance and cannot be purchased separately. It can only be purchased after compulsory traffic insurance and vehicle damage insurance have been obtained. Below is relevant information about water wading insurance: Water Wading Insurance: Also known as automobile loss insurance or engine special loss insurance, the terminology varies among insurance companies, but the essence remains the same. This is a newly derived type of insurance, referring to an additional coverage purchased by the vehicle owner specifically for the engine. Scope of Application: In cases where the insured vehicle is submerged up to the exhaust pipe or intake manifold due to heavy rain or flooding, and the driver continues to start the vehicle or attempts to start it using inertia; or when the vehicle is started without necessary procedures after being exposed to heavy rain or flooding. In these two scenarios, purchasing water wading insurance is necessary to receive corresponding compensation.
Last summer, I drove through a waterlogged area, and as a result, water entered the engine, costing me over ten thousand yuan in repairs. When filing the insurance claim, I found out that my auto damage insurance didn’t cover flood damage at all, because the waterlogging insurance is an additional rider that needs to be purchased separately. I deeply regretted not considering this in advance, especially since heavy rains are common here during the rainy season, and road flooding happens frequently. The insurance agent told me that waterlogging insurance requires the car owner to add it themselves—it’s not included as standard. It mainly protects against engine and electronic equipment damage caused by water submersion, but it won’t cover issues if you attempt to restart the engine after driving through water. I recommend everyone check with their insurance company before the rainy season to assess local risks—it can save a lot of hassle if something happens. Spending a little extra on this coverage is definitely more cost-effective than unexpectedly paying a huge repair bill. Now, I review my policy every year to make sure it’s included.
