New Delhi, Aug. 26 -- With floods wreaking widespread havoc in various parts of the country, inundating large cities such as Mumbai, a comprehensive motor insurance policy alone can save you from losses arising from damage to your vehicles due to such natural calamities. The basic third-party insurance offers protection only if your car causes damage to somebody else. If heavy rains turn the roads into rivers, only a comprehensive motor insurance policy will save you from paying out of pocket.

You should have a motor insurance policy that provides a return-to-invoice cover, offers protection for the engine and gearbox, zero depreciation cover, and takes care of expenses related to consumables.Here is a checklist of the features that a go...