Engine Protection Cover in Car Insurance

Importance of Engine Protection Cover

In car insurance, the engine protection add-on acts as a safety blanket for your car's engine. It offers financial protection if your engine gets damaged from lubricating oil leakage, water entering the engine, or a hydrostatic lock. Thus, the engine protection cover helps you save on the high cost of repair & maintenance of the engine or its parts, such as pistons, gearbox, crankshaft, valves, etc. If you live in a flood-prone area in India, having car insurance with engine protection is very important, especially during the monsoons, as cars are highly vulnerable to water-related engine damage.

Benefits of Engine Protect in Car Insurance

Here are the essential benefits you get with the engine protection cover in car insurance:

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, this 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 Covered Under the Engine Protection Cover in Car Insurance?

Car insurance with engine protection provides coverage for the following scenarios:

• 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?

Here are some common exclusions under the engine protection add-on in car insurance:

• 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 the engine protection cover in car insurance if:

• You live in a flood-prone area or work near a water body
• You own high-end cars for which the repair cost of the damaged engine 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 Buy Engine Protect Cover in Car Insurance?

Here are the simple steps to buy the engine protection cover with an own damage or a comprehensive car insurance policy:

• 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 for engine protection cover in car insurance 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. It 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.

Car Engine Maintenance Tips

Here are some useful car engine maintenance tips to ensure its prolonged life:

• Never skip your car's scheduled service. Make sure that you replace the air filters and other essential components as required.
• Keep a regular check on your car's engine oil level to ensure a healthy engine life. Replace the engine oil on every major service to keep the internal components in optimal working condition.
• Avoid overloading your car. It reduces engine performance, which can result in loss or damage to your car's engine.
• Do not accelerate hard or let your car overheat. It can lead to permanent damage to engine parts and reduce its life.
• While renewing car insurance, opt for the engine protection add-on if available for your car.