EV In Rain: One Mistake Jo Warranty + Insurance Dono Khatam Kar De

EV In Rain: One Mistake Jo Warranty + Insurance Dono Khatam Kar De

EV In Rain: One Mistake Jo Warranty + Insurance Dono Khatam Kar De

Barish me EV chalana normal hai, par paani se exposure ke turant baad agar aap ek galti kar doge, to warranty bhi ja sakti hai aur insurance claim bhi risk me aa jata hai. Ye guide wahi galti clear karegi, aur simple steps degi taaki aap safe rahen aur claim pass ho.

Note: Educational guide. OEM/insurer ke rules alag ho sakte hain—policy wording aur owner’s manual zaroor check karein. Aur clear explainers ke liye InsuranceHero.in par aur articles dekhein.

That ONE Mistake: Water exposure ke baad EV ko start/drive/charge karna. Even “thoda sa” start attempt bhi event logs me capture hota hai. OEM isse negligence maan sakta hai → warranty void. Insurer bhi consequential damage bolkar claim deny kar sakta hai.

Contents

• Ye mistake dangerous kyun hai?
• Rain/Water exposure ke turant baad 7 Don’ts
• Step‑by‑step: EV flood/water exposure me kya karein
• Towing rules (flatbed, transport mode) – galti yahin hoti hai
• Insurance claim process + docs (EV specific)
• Add‑ons jo EV owners ko bachate hain
• FAQs (People Also Ask)
• 1‑page checklist (save/share)
• Related guides on InsuranceHero

Ye mistake dangerous kyun hai?

• Battery/High‑Voltage risk: Water ingress ke baad system self‑checks fail ho sakte hain. Start/drive ya charge attempt se short ya thermal event risk.
• Event logs don’t lie: OEM BMS/inverter logs me ignition/drive attempts record ho jate hain. Ye proof hota hai ki aapne wet condition me system activate kiya.
• Warranty clause: “Misuse/negligence/water ingress” = manufacturer warranty exclude. Proof = logs/photos/corrosion patterns.
• Insurance clause: Comprehensive OD flood cover ho sakta hai, par consequential damage (user action se worsen hona) ko insurers deny kar sakte hain.

Ola Insurance 

Rain/Water exposure ke turant baad 7 Don’ts

1. Start/Drive mat karo (even for a second) – logs capture ho jayenge.
2. Charge mat lagao (wet connectors/port = short risk).
3. Push mat karo wheels spin → regen/motor rotate → electrical risk.
4. DIY opening mat karo (battery pack/inverter/BCM).
5. Local “jugaad” service mat lo – HV safety protocols absent.
6. Wrong towing (dolly/2 wheels up) – motor damage/claim issues.
7. Delay in intimation – insurer/OEM ko jaldi inform karo.

Step‑by‑step: EV flood/water exposure me kya karein

1. Stay safe: Cabin me rehna behtar, HV components ko touch na karein.
2. Power down: Car “OFF” rakhein; transport mode/neutral tabhi enable karein jab manual allow kare.
3. Photos/video lein: Waterline, surroundings, number plate, dashboard alerts.
4. Insurer ko inform: Call + email (claim no. lein). Location pin/share karein.
5. OEM RSA call: Flatbed arrange; towing instructions OEM manual ke mutabik.
6. Service center drop: EV‑certified workshop hi choose karein.
7. Docs ready: Policy, RC, DL, KYC, payment proofs, service records.

Towing rules (flatbed, transport mode) – galti yahin hoti hai

• Flatbed only for most EVs. Wheels spinning avoid karein (AWD to bilkul nahi).
• Transport mode owner’s manual ke mutabik hi enable karein. Agar uncertain ho → tow crew ko wait karne bolen.
• 12V isolation service protocol pe chhod dein; khud se battery terminals mat छेड़ो.
• Charge level low/high pe fark nahi padta towing decision pe—procedure sahi hona zaroori.

Insurance claim process + docs (EV specific)

1. Intimation: 24–48 hrs ke andar insurer ko theft/flood type select karke case detail bhejein.
2. Evidence: Waterline pics, towing pics, dashboard alerts, GPS/time stamps.
3. Workshop estimate: EV‑authorized workshop ka detailed estimate + diagnostic report (BMS/inverter error codes).
4. Survey: Surveyor ko pure facts dijiye. “Start/charge attempt” na karein, na hide karein.
5. Settlement: Battery/module replacement expensive ho sakta; add‑ons helpful (neeche).

Note: Police FIR zaroori nahi hoti flood me, but local panchanama/civic report kabhi maangi ja sakti hai. Insurer jo bole woh follow karein.

Add‑ons jo EV owners ko bachate hain

• Electrical/Battery Protect Add‑on: Battery pack, BMS, connectors ke failures ke liye.
• Zero Dep/RTI: Parts depreciation waivers; brand‑new EVs me paisa bacha sakta.
• Engine/Component Secure equivalent (if offered): Water ingress related consequential losses ke liye specialized add‑ons.
• RSA (EV aware): Flatbed + certified tow partner coverage.
• Consumables: Coolants/fluids/sealants ka cost cover.

EV In Rain: One Mistake Jo Warranty + Insurance Dono Khatam Kar De

FAQs (People Also Ask)

1) Flooded EV ko start kar liya, ab kya?
Immediately band karo, tow arrange karo, insurer/OEM ko sach batayo. Logs cover karte hain — honesty best strategy.

2) EV battery water damage warranty me aata hai?
Usually nahi. Warranty manufacturing defects cover karti hai; water ingress/negligence exclude hota hai.

3) Insurance flood damage cover karta hai?
Comprehensive OD generally cover karta hai, par consequential damage/negligence pe denial possible. Add‑ons help.

4) Towing wrong hua to?
Drivetrain/motor damage ho sakta; insurer negligence bol sakta. Flatbed insist karo.

5) Photos me kya capture karun?
Waterline, area, number plate, inside floor, dashboard alerts, tow process, service drop time.

1‑page checklist (save/share)

• Do not start/drive/charge → call insurer + OEM RSA
• Flatbed tow only → photos/videos → EV‑certified workshop
• Docs: Policy, RC, DL, KYC, estimate, diagnostics, bank details
• Add‑ons check: Battery Protect/Zero‑Dep/RSA/Consumables

Related guides on InsuranceHero

• Monsoon Claims: Flooded Car/EV Do/Don’t + Proof List
• IDV & Add‑ons Explained – Payout par asar
• Cashless Claim Basics – Health & Motor

Ye guide useful lagi? Bookmark/share karein. Koi OEM/insurer rule update mile to humein batao — hum turant update kar denge. Aur naye explainers ke liye InsuranceHero.in par aate raho.

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