Benefits of Engine Protection Cover in Car Insurance Policy

Get Car Insurance starting at only ₹2,094/year #

The car's engine is the soul, as nothing can smoothly work if it is in a bad state. So, it is important to keep your car's engine in perfect condition throughout the year. Unfortunately, your car's engine starts giving you trouble with time. Moreover, during monsoon, if you reside in an area where water logging is a major problem, then subsequent damage to your car's engine is inevitable. Therefore, getting an engine protection cover in your car insurance policy becomes necessary. Read on to find the benefits of an engine protection cover.

Read more

  • Renew policy in 2 minutes*

  • 20+ Insurers to choose

  • 51 Lakh+ Vehicles Insured

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year #
Looking for Car Insurance?
    Other models
    Other variants
    Select your variant
    View all variants
      Full Name
      Mobile No.
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      Significance of Engine Protection Add-on Cover

      The car's engine is one of the expensive parts of a car, and repairing or replacing it might burn a hole in your pocket. Probably, if you are considering the cost of repairing or replacement of damaged car’s engine is covered under your basic car insurance policy, unfortunately, that won't be possible.

      The engine protection add-on cover is an add-on cover offered with your motor insurance policy that covers all the losses or damages to the engine of the insured car. It provides coverage for the cost of repairing or replacing your car’s engine or/and its parts under your car insurance policy by paying an additional premium cost.

      It enables you to get financial aid from your insurer in case your car’s engine or its parts have been damaged in a case other than accidental damages.

      For instance- during monsoon season, the poor drainage system has led to water logging in your area. As a result, the rainwater accumulated in your area might enter the car's engine causing damage. In such a situation, the engine protection add-on cover can be beneficial as it will cover the cost of damages sustained by your car's engine in your motor insurance policy.

      In short, engine protection cover provides financial protection for any damages to the car’s engine or/and its parts arising out of incidents of water ingression, leakage of lubricant oil, damage to the hydrostatic lock, damages to the engine parts, such as the gearbox, crankshaft, cylinder, connecting rods, pistons, etc.

      You May Also Like - How To Save Car During Monsoon

      5 Benefits of Engine Protection Add-on Cover for Your Car

      Engine protection cover in your car insurance policy is one of the most significant add-on covers for car owners. Here are five benefits of buying engine protection cover under your car insurance policy:

      1. Provides Financial Assistance

        If you have a basic motor insurance policy, it will be of no help in case the car's engine gets damaged. But if you buy an engine protection add-on cover, the cost of repairing the damages to the engine or its parts other will be taken care of by your insurer.

      2. Pays for the Most Expensive Car Part

        The engine is the most expensive part of a car. Therefore, replacing or repairing the engine or any engine parts can cost you a lot. But with an engine protection cover, you don’t have to worry about how much money will it cost to get your car’s engine repaired or replaced.

      3. Enhance Longevity of the Car

        As the engine is the soul of the car, so proper functioning of the car’s engine is crucial to enhance its longevity. If the engine is damaged and you are unable to repair it timely, it can hamper the functioning of your car. However, an engine protection cover will make sure to pay for the repair of your car’s engine, making sure that it functions smoothly for years to come.

      4. Acts as the Financial Aid for New Car Owners

        If you have recently purchased a new car, any unfortunate damages to the vehicle’s engine due to water ingression can burn a big hole in your pocket. Also, repairing the engine parts of a new car is expensive. But if you have purchased an engine protection cover with your motor insurance policy, the cost will be covered no matter how expensive it is.

      5. Ideal for Car Owners Living in Flood-Prone Areas

        People residing in low-lying areas prone to floods or water-logging often find their car’s engine damaged due to water ingression. The engine protection cover will ensure the cost of repairing the car's engine due to water logging is covered.

      What Is Covered Under Engine Protection Cover?

      If you purchase engine protection cover under your car insurance policy, it will protect you from any expenses arising out of the following:

      • Damage to Insured Car’s Engine -It covers the cost of repairing or replacing the insured car’s engine or its parts, such as crankshaft, connecting rods, etc.
      • Damage to Gearbox -It provides coverage for the cost of repairing or replacing the gearbox of the insured car.
      • Water Ingression -It covers any loss or damages caused to the insured car’s engine in case water has entered the car's engine, especially during the monsoon season.
      • Leakage of Lubricant Oil -It provides coverage for the repair costs arising out of leakage of lubricant oil from the engine of the car.
      • Damage to Hydrostatic Lock -It covers any loss or damage caused to the hydrostatic lock of the insured car in case an attempt to start the four-wheeler was made while the engine was wet.
      • Damage to Undercarriage - It provides financial protection for any damages caused to the undercarriage.
      • Cost of Consumables -It covers the expenses incurred on consumables used in the insured car during the engine repair work. Such consumables include lubricant oil, nuts & bolts, coolants, etc.
      • Labour Cost -It provides coverage for the labour costs incurred to carry out the repair or replacement work on the insured car’s engine or its parts.

      You May Also Like: What is No Claim Bonus in Car Insurance?

      What Is Not Covered Under Engine Protection Cover?

      Even the best add-on cover does not cover certain repair or replacement costs. Take a look at exclusions under the engine protection cover:

      • Consequential Damages-It does not cover any consequential damages caused to the insured car's engine. For example, if you drive your car despite water logging, the damages sustained by your car will be considered consequential and hence, will not be covered.
      • Force Starting the Engine-It does not cover any damages caused to the car’s engine if you try to force start the engine of a submerged insured car.
      • Regular Wear and Tear-It does not cover the cost of repairing the damages to the insured car’s engine arising out of regular wear and tear.
      • Damages Covered by Manufacturer-It does not cover any engine damages that are covered under the warranty provided by the car manufacturer.
      • No Water Inundation-It does not cover the engine repair or replacement costs in case water inundation is not proved as part of water ingression cover.

      You May Also Like - Benefits of Zero Depreciation car insurance policy?

      Things to Keep in Mind When Buying Engine Protection Cover

      The engine protection cover comes with certain terms and conditions that apply to car owners who buy this add-on cover. Take a look at the things that you must keep in mind if you are considering buying the engine protection cover:

      1. The engine protection add-on cover is not available for cars that are older than five years.
      2. This cover can only be purchased by people with comprehensive or own damage car insurance policies. The add-on cover is not available under third-party liability cover.
      3. Since it is an add-on cover, a car owner needs to purchase the engine protection cover by paying an additional insurance premium.
      4. Most motor insurance companies allow car owners to make up to two claims under their engine protection cover. Therefore, read the policy wordings carefully before buying the engine protection add-on cover.

      Final Words

      A car cannot function smoothly without its engine. Therefore, the engine protection cover is considered one of the most crucial of all add-on covers. Hence, if your car is not older than five years and you reside in areas that are prone to water-logging, then buying engine protection would be one of the smartest investments that you can make for the well-being of your car.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar

      Car insurance articles

      Recent Articles
      Popular Articles
      Does Your Car Insurance Cover Damages By Rat Attack?

      29 Nov 2023

      Considering the population of rats in our country, it is common to
      Read more
      All You Need to Know About Standalone OD Insurance

      29 Sep 2023

      The concept of Own Damage(OD) is not a new one. For those of us
      Read more
      Your Guide to Reducing the Chances of a Rejected Motor Insurance claim

      29 Sep 2023

      Filing a motor insurance claim can be a complex process, and
      Read more
      Top things to keep in mind when Renewing Car Insurance

      29 Sep 2023

      To continue receiving coverage benefits, it's necessary to renew
      Read more
      Importance and Benefits of Comprehensive Car Insurance Policy

      20 Sep 2023

      Having third-party car insurance is mandatory as per the motor
      Read more
      Check Vehicle/Car Insurance Status Online on Parivahan Sewa, Vahan, IIB & RTO
      It doesn’t matter if you are an excellent driver or take your car out only once in a few months, your car must be
      Read more
      How to Find Car Insurance Details by Registration Number?
      As a car owner, it is mandatory to have a car insurance policy under the Motor Vehicles Act, 1988. Sometimes, you
      Read more
      Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your
      Read more
      How to Transfer Car Insurance Policy?
      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer
      Read more
      Comprehensive Insurance Vs Third Party Insurance
      A comprehensive car insurance policy offers protection against third-party liabilities and own damages sustained by
      Read more

      View Plans
      Download the Policybazaar app
      to manage all your insurance needs.