New Delhi, July 9 -- Buying a comprehensive car insurance policy is often seen as enough to protect against financial losses during the monsoon. But when vehicles are damaged by flooding or heavy rain, many policyholders discover that several repair costs are not covered under a standard policy.

This is where optional add-ons come into play. While they increase the premium, they can significantly reduce out-of-pocket expenses if a claim arises. However, not every add-on offers the same value for every driver.

Insurance experts say motorists should choose add-ons based on where they live, the age of their vehicle, and the risks they are most likely to face.

Among all optional covers, Engine Protect is the one every expert recommends for...