No car can function smoothly if its engine has aged by gradual use of the vehicle. It either needs to be repaired or replaced, which can lead to hefty repairing expenses. But the question is, do you have to pay the engine repair bill from your pocket, or will your car insurance cover engine failure? Read further to know if car insurance cover engine failure.
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, oil leaks, 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 gradual use of the vehicle, it will not be covered in your motor 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.
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.
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.
By paying an additional premium, you can easily include this add-on in your existing vehicle insurance plan. Thus, the engine protection cover offers financial aid against any damage to your car's 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 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 proved 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 really expensive if you do not have an engine protection cover with your existing policy. Here is why you should opt for the engine protection 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 for engine damage. But, you have an option to add engine protection cover to your existing policy on 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 the 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.
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