Car was hydrocklocking, how to handle insurance benefits?

Article overview

When a car is hydrocklocking, settling insurance benefits is an issue that needs attention when owning a vehicle. This phenomenon can cause major damage to the engine, leading to high repair costs. Hydrocklocking insurance helps car owners reduce the financial burden when an incident occurs. This article will provide detailed information about water damage insurance, its benefits and how to choose appropriately.

Insurance benefits when your car is hydrocklocking
Insurance benefits when your car is hydrocklocking

What is a hydrocklocking car?

Hydrocklocking shock occurs when water enters the cylinder combustion chamber through the engine’s air intake, causing the engine to suddenly stall. The cost of repairing an engine damaged by hydrostatic shock is often very high. Therefore, many car owners choose to buy water damage insurance to receive financial support when encountering this situation.

When participating in hydrocklocking insurance, customers are usually supported from 70% to 80% of repair costs if the vehicle stalls while going through a flooded area and does not intentionally restart it. However, if the car owner intentionally restarts the engine after being flooded, the insurance company may refuse to pay.

Subjects of hydrocklocking insurance

The subject of hydrocklocking insurance is usually cars with a usage time of less than 10 years. Insurance companies usually do not provide water damage insurance for vehicles that have been used for more than 10 years due to the higher risk of damage in an accident.

Customers’ benefits when buying hydrocklocking insurance

Customer benefits when purchasing hydrocklocking insurance include:

  • Support for repair costs from 70% to 80% when the vehicle is hydro-damaged
  • Provide rescue service in case of trouble
  • Minimize the financial burden of having to repair the engine

Compensation for damage caused by a car being hydrocklocking is usually determined from the time the car stalls due to flooding. The specific compensation level will depend on the level of damage and the terms of the insurance contract. Typically, the insurance company will pay 70% to 80% of the actual repair cost.

 Benefits of buying hydrocklocking insurance
Benefits of buying hydrocklocking insurance

Some issues to keep in mind when buying water dama hydrocklockingge insurance

Hydrocklocking insurance prices usually range from 0.3% to 0.5% of the vehicle’s value. For example, for a car costing 500 million VND, the water damage insurance premium can range from 1.5 million to 2.5 million VND. However, the specific fee also depends on many other factors such as vehicle type, year of manufacture and each insurance company’s policy.

When choosing hydrocklocking insurance, customers should consider the following factors:

  • Reputation and solvency of the insurance company
  • Insurance premiums and compensation rates
  • Conditions and exclusions in the contract
  • Insurance company’s compensation settlement process

Some reputable insurance companies providing water damage insurance in Vietnam include:

  1. Bao Viet Insurance: Provides hydrocklocking insurance benefits as an extension of automobile physical insurance. Pay up to 80% of repair costs.
  2. Liberty Insurance: Water damage insurance is included in the auto insurance package, no additional fee required. Pay 70% of repair costs.
  3. PVI Insurance: Provides water damage insurance as an extended term of automobile physical insurance. Deductible rates apply depending on the level of damage.

To prevent water shock and minimize risks, car owners should pay attention to some driving skills through flooded areas:

  • Do not drive through water more than 25cm deep or beyond the center of the wheel
  • Turn off the air conditioner, drive 1st gear at a moderate speed when passing through flooded areas
  • Do not accelerate suddenly when passing through water
  • If the vehicle stalls, do not try to restart it but call for help

Hydrocklocking insurance is an effective solution to protect vehicle owners’ finances in the event of a flooding incident. However, choosing the right insurance package and following safety rules when driving through flooded areas is still the most important factor to ensure the safety of people and vehicles.

 Things to note when buying hydrocklocking insurance
Things to note when buying hydrocklocking insurance

Hydrocklocking insurance is an effective solution for financial protection when your vehicle is flooded. Customers need to consider carefully when choosing a suitable insurance package. For detailed advice on water damage insurance and other auto insurance services, please contact the hotline 0906735386. We are ready to assist customers in choosing the optimal protection solution for their vehicles.