Engine failure can not only be frustrating but its repairs can also cost us heavily. Therefore, for early detection, it becomes essential to know why your car’s engine can fail. Here are a few common reasons that can cause your car's engine to stop working:
Some other common reasons behind engine failure include combustion in the engine, ignoring the engine oil light, and wrong fueling.
Consider you have purchased car insurance cover for your car and it meets with a road accident. The damages sustained by your car's engine due to an accident will be covered under your motor insurance plan. So, you can claim car insurance for engine failure in such a case.
However, if your car's engine is damaged by your negligence or any wear and tear due to the gradual use of the vehicle, or any of the reasons mentioned above it will not be covered in your four-wheeler insurance policy. Moreover, any mechanical failure of your car's engine will also not be covered under your insurance claim.
So, you can only register a claim under your car insurance for engine damage in the following situations:
Thus, your motor insurance policy will not cover any engine repair or replacement costs that are not directly arising out of accidental damage, fire or theft. You cannot register a claim for engine failure in such situations.
Oil leakage is one of the most common causes of engine failure. If your car's oil leaks, it can rapidly deteriorate the engine thus causing engine failure. Moreover, an engine oil leak can also be dangerous as it may lead to losing control of your car while driving.
If your car has suffered oil leakage and caused damage to your car’s engine due to an unforeseen incident such as theft, accident or natural disaster, your car insurance policy will cover it. However, if the oil leak is not due to an accident, your car policy will not cover any such loss.
However, if you want to cover any loss or damage to your car's engine, you can opt for the Engine Protection add-on cover.
Engine Protection cover is an add-on cover provided by motor insurance companies under their car insurance policy. This add-on covers loss or damage to your car's engine even if it's not resulting from an accident. A policyholder can purchase this add-on alongwith his/her comprehensive car insurance policy by paying an extra premium amount.
An engine protection add-on covers the cost incurred in repairing or replacing a car's engine and its parts. For example, due to heavy rains in your city, there has been waterlogging in your area. As a result, your car gets submerged in water, thus, causing damage to your engine. In such a situation, the engine protection add-on will cover the cost of repairing the damages sustained by your car’s engine due to waterlogging.
Thus, the engine protection cover offers financial aid against any damage to your car's engine including engine failure. It also covers oil leaks causing damage to your engine.
You May Also Read - Benefits of Buying Engine Protection Cover
The engine protection cover is an add-on so it cannot be purchased independently. You can add it to your existing comprehensive policy by paying an extra premium.
The engine protection add-on offers coverage against any damage to the car's engine, damages to the gearbox, water ingression in the engine, leakage of lubricant oil, loss/damage to the hydrostatic lock, damage to the undercarriage, cost of consumables and labour cost as well.
On the other hand, the engine protection add-on excludes consequential damages to the engine, damages due to force start, regular wear and tear, damages already covered by the car manufacturer and water inundation until proven as part of water ingression cover.
A car's engine is the soul of a car and any damage to the engine may stop your car from moving. Moreover, repairing a car engine can be expensive if you do not have an engine protection cover with your existing policy.
Here is why you should opt for the engine protect add-on cover for your car:
Thus, purchasing an engine protection cover can be very beneficial for you as it can cover you against the most expensive part of your car i.e. your car’s engine.
To conclude, your motor insurance company will not offer car insurance coverage for engine damage. But, you have the option to add engine protection cover to your existing policy at an extra premium amount and obtain coverage for any unforeseen damages that your engine may sustain. Moreover, if you are planning to purchase car insurance with engine protection cover, you can quickly compare plans of different companies along with the add-on cover costs on Policybazaar.com and choose the most suitable one for your car.
Ans: No. A car insurance policy does not cover mechanical or electrical failure of the engine thus it won’t cover such damage. To claim for such damages, a policyholder can purchase Engine Protect Add-on.
Ans: In case your car’s engine has been damaged in an unexpected incident, your car insurance policy will cover it. However, if your engine has been damaged by any other means, your policy won’t cover repairs of such damages.
Ans: Any damage caused to the engine of the car due to water ingression is usually not covered by car insurance policies. However, your car insurance policy will cover any damage caused to your car due to the flood.
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