Engine Protection Cover in Car Insurance

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. The engine protection cover can be purchased with a comprehensive or own damage insurance policy by paying a nominal extra premium.

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What is Engine Protection Cover in Car Insurance?

An engine protection cover in car insurance acts as a protective shield against the damages to car's engine due to 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, it is essential to opt for for car insurance with engine protection coverage.

Benefits of Engine Protect in Car Insurance

The engine protection cover is a highly beneficial addition to car insurance that protects you from the high repair or replacement costs of engine damage. Have a look at the essential benefits you get when you opt for the engine protect add on with your four-wheeler insurance policy.

1. Financial Protection for the Most Expensive Car Part

   When you opt for engine protect cover in car insurance, you don't have to worry about the expenses related to engine damage from water ingress or oil leakage.

2. Ideal For Flood-Prone Areas

   Engine protection cover in car insurance is highly valuable if you live in an area prone to waterlogging or floods. So, if your car's engine gets damaged due to water ingress, the engine protect add on will come to rescue.

3. Higher Resale Value

   Having car insurance with engine protection indicates that the engine is well-maintained, which can help increase its resale value.

What is Included in an Engine Protection Cover in Car Insurance?

Engine protection cover in a car insurance policy 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
• The engine and gearbox protection cover in car insurance also covers gearbox malfunction of the insured car.
• 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 Cover?

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:

• When you try to force start your car when it is submerged under the water and 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 Cover in Car Insurance?

You should opt for an engine protection cover in your car insurance policy if:

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

How To Purchase Engine Protect Cover in Car Insurance?

You can buy the engine protection cover while purchasing a comprehensive car insurance policy or while renewing it. Follow these steps to purchase an engine protection add on

• Step 1: Visit Policybazaar.com and select 'Car Insurance.'
• Step 2: Enter your vehicle registration number and other details.
• Step 3: From multiple car insurance quotes, select your desired policy and choose 'Engine Protect' under 'Add-ons.'
• Step 4: Proceed further to make the policy payment and instantly receive your car insurance with engine protection cover.

How to Claim for Engine Protection Cover in Car Insurance?

You can file a claim against your car insurance with engine protection by following these easy steps:

1. Claim Intimation

   Contact your insurer to inform them about the loss or damage to your car's engine and its components.

2. Damage Inspection and Document Verification

   Your insurer will assign a surveyor to evaluate the amount of damage to your car. You also need to submit the necessary documents to the surveyor.

3. Claim Approval and Vehicle Repair

   Upon the successful assessment & document verification, your vehicle will be sent for repairs, and your insurer will directly settle all the expenses incurred with the garage.

Important Things to Know About the Engine Protection Cover in Car Insurance

Before you opt for the engine protect cover in car insurance, it is important to consider the following things:

• If you only have third-party insurance for your car, the engine protect cover is not available for you. Remember that the engine protection cover is only available under comprehensive or own-damage car insurance policies.

Since the engine protection cover is an add-on in car insurance, you need to pay an additional premium on your comprehensive or own-damage policy to opt for this coverage.