Benefits of Engine Protection Cover in Car Insurance Policy

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The car's engine is the soul, as nothing can smoothly work if it is in a bad state. So, keeping your car's engine in perfect condition throughout the year is important. Moreover, during monsoon, if you reside in an area with water logging issues, subsequent damage to your car's engine is inevitable. Therefore, getting an engine protection cover with your car insurance policy becomes necessary. Read on to find the benefits of an engine protection add-on.

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      Is Engine Protection Cover Needed?

      The car's engine is one of the most expensive parts of a car, and repairing or replacing it might burn a hole in your pocket. If you think the cost of repairing or replacing a damaged car's engine is covered under your basic car insurance policy, unfortunately, that won't be possible. To cover your engine, you must buy an Engine Protect Cover at a nominal extra premium.

      The engine protection cover is an add-on 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 if your car's engine or 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 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 is one of the most significant add-on covers for car owners. Here are five benefits of buying engine protection cover under your comprehensive car insurance policy:

      1. Provides Financial Assistance : If you have a basic motor insurance policy, it will be of no help if the car's engine gets damaged. But if you buy an engine protection add-on, the cost of repairing the damages to the engine or its parts 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 it will cost to get your car's engine repaired or replaced.
      3. Enhance the Longevity of the Car : As the engine is the soul of the car, the proper functioning of the 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 waterlogging 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 the Insured Car's Engine covers the cost of repairing or replacing the insured car's engine or parts, such as the 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 : Provides coverage for the repair costs arising from leakage of lubricant oil from the car's engine.
      • 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 : 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 : The add-on provides coverage for the labour costs incurred to carry out the repair or replacement work on the insured car's engine or its parts.

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      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 the 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 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 : The add-on also 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 : Does not cover any engine damages that are covered under the warranty provided by the car manufacturer.
      • No Water Inundation: Does not cover the engine repair or replacement costs if water inundation is not proved as part of water ingression cover.

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      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. 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 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 wording 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 prone to water-logging, buying engine protection would be one of the smartest investments you can make for the well-being of your car. You can also compare the cost of the car insurance policies with the Engine Protect add-on from and then purchase the one that suits your needs.

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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.

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