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Personal Finance News

Monsoon comes early in 2025: Here's how you can protect your car and bike during the rains

rajeev kumar
By Rajeev Kumar

4 min read | Updated on May 27, 2025, 16:14 IST

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SUMMARY

While following all the tips mentioned above will help minimise damages due to rain during the monsoon, you should ensure having an updated motor insurance policy as the monsoon season starts.

monsoon car and bike safety tips

You should take adequate precautions before driving in rain. | Representational image source: Shutterstock

Monsoon arrived early this year. According to the Indian Meteorological Department (IMD), monsoon hit Kerala on May 24, eight days ahead of its normal schedule on June 1. The rains have now spread to various states, including Maharashtra and Telangana.

The monsoon generally lasts around four months. In this period, car and bike owners should take several measures, including adequate motor insurance, to save money in case of any damage to their vehicles due to the rains.

This article explains how you can protect your car and bikes during the rains by following certain tips and getting adequate auto insurance.

Tips to avoid rain-related damage

Car and bike owners should always take adequate measures to avoid rain-related damage to their vehicles. Let's have a look at some of the common measures:

Keep a tab on weather updates: Before going out on your bike or in the car, keep a tab on weather updates. You may avoid going out if heavy rainfall is predicted. However, if it is not possible to avoid going out, then you should take utmost precautions and follow best practices.
Get pre-monsoon service done: The most important thing you should do at the onset of monsoon is to get the pre-monsoon service done for your car and bike. This will ensure your vehicles are ready to take on the rains.
Maintain tyres, wipers: Be it a car or a bike, you should always maintain tyres in good condition, especially during the monsoon. You should replace worn-out tyres to minimise the risk of skidding.
Inspect brakes, lights, polish, wiring: Before going out during rain, ensure that brakes, lights, and wiring in your vehicle are in perfect condition. To avoid rusting and to protect the paint, you may consider applying a coat of polish or wax.

In case there are any scratches, dents, or paint damage on your vehicle, you may consider getting them fixed before going out in the rain to avoid rusting. You may also consider applying an anti-rust coating for further protection. For the underbody of the vehicle, you should consider regularly removing mud and road grime, as they may lead to rust and wear in the long run.

Avoid waterlogged areas and driving in deep water: While driving, you should always try to avoid driving in waterlogged areas and deep water. If water enters the engine or exhaust, it can cause damage.

However, if it is unavoidable, then you should ride in a lower gear and keep the engine revs high, which will help create a positive pressure to push the exhaust gases out and prevent water from entering. In case water has entered the engine, you should immediately stop the engine to prevent further damage.

When parking the car, ensure it is on a high ground, which will in turn help prevent water damage to the engine and electricals.

Keep spares handy, and use floor mats in cars: You should always carry essential spare parts while driving a car or a bike during the rains. For instance, while driving a car, you may keep spare wiper blades, fuses, spare wheels, a basic tool kit, an emergency medical kit, and towels. Also, you should use rubber floor mats to protect the car's interior from water and mud.
Use waterproof covers: When the vehicle is not in use and parked in the open, you should use waterproof covers to shield it from rain and moisture.
Drive slowly, maintain distance, and keep emergency numbers handy: As a general rule, you should drive slowly while maintaining adequate distance from other vehicles if it is raining. You should also keep emergency numbers for roadside assistance handy, which will help in case of an engine breakdown.
Get adequate insurance: While following all the tips mentioned above will help minimise damages due to rain, you should ensure having an updated motor insurance policy as the monsoon season starts.

With own-damage auto insurance, one can cover incurred losses due to damage caused by floods. This type of insurance is available only for those who already have third-party auto insurance.

If you already have a comprehensive motor insurance policy, you should look at what's covered and what's not. For instance, a standard auto cover may not cover engine failure or any other damage due to waterlogging. For this, you may take an engine-protection add-on. You may also apply for an add-on to cover vehicle accessories. One may also take a zero-depreciation cover as it will eliminate the need to pay the depreciation component of claims.

Upstox

About The Author

rajeev kumar
Rajeev Kumar is a Deputy Editor at Upstox, and covers personal finance stories. In over 11 years as a journalist, he has written over 2,000 articles on topics like income tax, mutual funds, credit cards, insurance, investing, savings, and pension. He has previously worked with organisations like 1% Club, The Financial Express, Zee Business and Hindustan Times.

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