Why Cyber Insurance Matters

Traffic Jam Insurance is a specialised protection plan designed to help drivers and commuters mitigate financial losses and inconvenience caused by severe road congestion. Unlike traditional motor insurance, which mainly covers physical vehicle damage and liability from accidents, Traffic Jam Insurance focuses on compensating drivers for the real-world economic and personal impacts linked to extended traffic delays.

How Traffic Jam Insurance Works

Traffic Jam Insurance typically works by providing financial compensation when the policyholder is caught in eligible congestion situations. Unlike standard motor policies, this product pays out based on the impact of the delay — such as hours lost or economic value lost — rather than accident or damage claims.

The exact benefits and claim process vary by insurer and product design.

What Traffic Jam Insurance Can Cover

Core Coverage

• Delay Compensation — Payout based on the number of qualifying hours stuck in traffic.

• Lost Income Reimbursement — Compensation for documented work/time loss (e.g., ride hailing, freelance jobs).

• Fuel & Expense Allowance — Partial reimbursement for extra fuel consumed due to prolonged idling.

Optional Add-Ons

• Commuter Compensation: Extra benefit if you miss critical appointments or deadlines.

• Taxi / Ride-Hailing Protection: Special provisions for gig drivers whose income depends on time efficiency.

• Telematics Bonus: Higher benefits for policyholders who opt into GPS tracking to verify congestion events.

Key Benefits of Traffic Jam Insurance

Why Traditional Motor Insurance Doesn’t Cover Traffic Jam Losses

Traditional motor policies cover vehicle damage and liability from accidents and specific insured perils, but they don’t treat traffic jams as insurable events — insurers classify jams as normal road conditions rather than unforeseen events eligible for payout.

This insurance is especially useful for: