Benefits of Engine Protection Cover That Make It Worth Buying for Your Car

The engine is the soul of a car. No car can function smoothly if its engine is in a bad state, which is why it is important to keep your car’s engine in perfect condition all year round. Unfortunately, your car’s engine can easily start giving you troubles as the vehicle ages and when it is being used a lot. Moreover, if you stay in areas that are prone to water logging or floods, then subsequent damage to your car’s engine is inevitable.

The engine is one of the most expensive parts of a car and any engine repair work can cost you dearly. If you are considering to get the cost of repairing your car engine’s wear and tear covered under your basic car insurance policy, unfortunately, that won’t be possible.

A car insurance policy is designed to cover any damages to the engine of the insured car in case it meets with an accident. This means your motor insurance policy will exclude covering any engine repair or replacement expenses that are not directly arising out of accidental damage. However, you can get any loss or damages to your car’s engine covered under your four wheeler insurance policy by opting for the Engine Protection add-on cover.

What Is Engine Protection Cover?

The engine protection cover is an add-on cover offered under a motor insurance policy that covers any loss or damages to the engine of the insured four wheeler. It provides coverage for the cost of repairing or replacing your car’s engine or/and its parts under your car insurance policy on payment of an additional premium cost. It enables you to get financial aid from your motor insurance company in case your car’s engine or its parts have been damaged.

For example, your city is receiving heavy rains during the monsoon season and poor drainage system has led to water-logging in your area. As a result, the rainwater accumulates in your parking lot and enters the engine of your car causing damages. In such a situation, the engine protection cover can be beneficial as it will cover the cost of repairing the damages sustained by the engine of your car under your four wheeler insurance policy.

In short, engine protection cover provides coverage 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.

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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 Car’s Engine - It covers the cost of repairing or replacing the car’s engine or any of 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 car.
  • Water Ingression - It covers any loss or damages caused to the car’s engine in case outside water has entered in the engine.
  • 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 car in case an attempt to start the four wheeler was made while the engine was wet.
  • Damage to Car’s Undercarriage -It provides coverage for any damages caused to the undercarriage of the car.
  • Cost of Consumables - It covers the expenses incurred on consumables used in the 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 car’s engine or its parts.

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:

  • The engine protection add-on cover is not available for cars that are older than five years.
  • This cover can only be purchased by people with comprehensive or own damage car insurance policy. This is because engine protection cover is not available under third party liability car insurance.
  • Since it is an add-on cover, a car owner needs to purchase the engine protection cover by paying an additional insurance premium at the time of purchasing the best car insurance.
  • Most motor insurance companies allow car owners to make up to two claims under their engine protection cover.
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5 Benefits of Buying Engine Protection Cover for Your Car

Engine protection car is one of the most important add-on covers that are offered by motor insurance companies in India. Here are five benefits of buying engine protection cover under your car insurance policy:

Pays for the Most Expensive Car Part

The engine is considered the most expensive part of a car. Naturally, the cost of replacing the engine or any of its parts can cost a lot of money. Besides, repairing the car’s engine is also quite expensive. But with 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.

Provides Financial Support

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

Ideal for People Living in Flood-Prone Areas

People who reside 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 that the cost of repairing your four wheeler’s engine will be covered by your insurer every time water enters inside the engine.

Comes to the Aid of New Cars

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

Ensures Longevity of the Car

The engine is one of the most important parts of a car. Proper functioning of the car’s engine is crucial to ensure the longevity of the car. If your car’s engine is damaged and you are unable to get it repaired due to shortage of money, it can lead to your car not functioning at all. However, 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. 

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What Is Not Covered Under Engine Protection Cover?

Even the best car insurance does not cover certain engine repair or replacement costs under its engine protection cover. Take a look at what is not covered under the engine protection cover:

  • Consequential Damages - It does not cover any consequential damages caused to the engine of the car. For example, if you drive your car despite water logging, the damages sustained by your car will be considered consequential.
  • Force Starting the Engine - It does not cover any damages caused to the car’s engine in case you try to force start the engine of a submerged car.
  • Regular Wear and Tear - It does not cover the cost of repairing the damages to the 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.

How Much Does an Engine Protection Cover Cost?

Generally, the cost of the engine protection cover is estimated at approximately 2 per cent of the current market value of your car. For instance, let’s imagine that the current market price of your car is Rs 5 lakh. So the cost of engine protection cover for your car would be 2% of Rs 5,00,000, which comes to Rs 10,000. Therefore, you will have to pay an additional Rs 10,000 on top of the best car insurance premium to get engine protection cover.

Parting Words

A car cannot function without its engine and therefore, 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 stay 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.

Written By: PolicyBazaar - Updated: 28 August 2020
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