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      Engine Protection Cover

      An Engine Protection cover is a useful car insurance add-on that covers any damage or loss sustained by the engine of the insured car. It provides coverage for the cost of repairing or replacing the car's engine or/and its parts under the car insurance policy. This add-on can be purchased with a comprehensive or own damage insurance policy by paying a nominal premium.

      Read more

      Significance of Engine Protection Cover

      An engine protection add-on will cover all the costs and offers a protective shield against the damages that occurred due to engine malfunction, lubricating oil leakage, ingression of water, hydrostatic lock, etc. With the Indian roads getting waterlogged at even the slightest spell of rain, the scenario of a car’s engine getting damaged is quite common these days. If you are in a rain-prone location in India, go for a car insurance that covers engine expenses or has add-on coverage for engine damage expenses.

      What does an Engine Protection Add-On Policy Include?

      Engine protection add-on provides coverage for the following:

      • Expenses against damages due to the leakage of the lubricating oil
      • Expenses against damages caused due to ingression of water
      • Expenses against damages due to gearbox malfunction
      • Hydrostatic lock expenses – the lock when you try and retry to start a wet engine after a flood or water ingression. Cranking an engine that was submerged under the water may trigger ignition and might damage the engine. This will be treated as deliberately done damage to the engine and your claim request could be rejected.

      What is not Included in the Engine Protection Add-On Coverage?

      Despite the fact that you have a valid engine protection add-on cover, there are high chances that your car insurance claim will be rejected if you do either of the following before calling the insurance people and informing them about the damage to the engine:

      • Try to force start your car when it is submerged under the water has a wet engine. The engine, in general, is designed to completely shut down and not let the water in, and trying to start the engine forcibly will let the water in and cause great damages leading to claim reject
      • If you try to drive a car with a damaged bonnet, the lubricating oil might enter the engine. This scenario would come under deliberate damages/consequential damages. Since the damage is a consequence happening and not due to the accident, your insurance claim might not be validated.
      • Add-ons come with limited validity. Only one claim per add-on is possible within the insurance policy period and for another claim to be made, one more add-on has to be purchased.
      • This add-on is applicable for cars that are not more than 5 years old.

      Who should Buy the Engine Protection Add-On Cover?

      • People living in a flood-prone area or working near a water body
      • People who own high-end cars for which the cost of damaged engine repairing would be way more than that of a normal car
      • People who want to avoid all kinds of financial risks

      How To Purchase Engine Protection Add-on?

      You can purchase the add-on either while purchasing a comprehensive car insurance policy or while renewing it. Follow the steps given below to purchase an engine protection add-on while renewing the policy.

      Step 1: Visit the official website of the insurer

      Step 2: Fill in the policy number to access your account

      Step 3: Look for the engine protection cover and add it to your existing plan

      Step 4: Once you add the add-on, it will reflect in your premium amount.

      Step 5: Now proceed to make the payment. 

      Step 6: You can make the payment using your debit/credit card, UPI, Net banking.

      Step 7: Once you make the payment, the insurer will send you the updated document of your insurance plan on your registered email ID as well as your home address.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      Car Add Ons Insurance Reviews & Ratings

      5 / 5 (Based on 2 Reviews)
      (Showing Newest 2 reviews)
      Faridabad, February 20, 2024
      Best service
      Found it very easy to get in touch with Policybazaar as they give round the clock customer care. I connected with them regarding my United India insurance with an inclusion of engine protection cover for my Tata Altroz car. Buy the plan in just few minutes, great services!
      Chennai, January 23, 2024
      Great Product Purchase
      I recently purchased Reliance car insurance for my Tata Nexon car, and the experience was outstanding. The coverage I got was a comprehensive one, and the customer support team was really helpful in guiding me through the purchase process. After I got transferred to Chennai, which is a flood-prone area, I wanted to renew my existing policy with a plan that could offer me Engine protection & zero dep cover so that I could get covered in case my engine got damaged. But wherever I saw the cost of these add-ons exceeded my budget. The car insurance premium comparison on Policybazaar helped me find a budget-worthy plan along with these add-ons. Moreover, I also got Roadside Assistance, Key and Lock cover and a Personal Baggage cover for free as well. This comparison feature is what sets them apart from others, and I loved using it to choose an insurer that suited my budget and offered me what I needed, plus a few bonus add-ons.