Maruti Insurance — maruti insurance not providing insurance for engine cleaning for removing excess water

Address:

Maruti Insurance, Plot No.1,Nelson Mandela Marg,Vasant Kunj II,Vasant Kunj,New Delhi,Delhi 110070,India, New Delhi, Delhi, 11070

My brother's vehicle got off while travelling through water because of heavy rain a height which will immerse the tyres. And engine got off because of this .Maruti Insurance is not providing insurance for engine clean up work, which is the mandatory thing to do when water enters through silencer to engine .My brother's vehicle is in warranty period of maruti .Maruti Insurance customer care is saying that in comprehensive coverage they will provide only accidental damage happened directly to a part .If water entered directly to engine they will provide. Otherwise not .
In this case water entered to engine through silencer that's why they will not give insurance.