It is advisable to insure the car, because heavy rains can cause great damage to a car in many parts of India
The car may be damaged due to heavy rains, even if it is parked outside the owners home, especially if the home is located in a low lying area, which is flooded.
Flooding can damage the interiors if water seeps in.
Falling trees and other similar items can also damage the car.
The engine may be blocked due to water damage.
Some damage is not included in the standard motor insurance policy and addons have to be purchased.

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