Engine Protect Cover Add-on in Two Wheeler Insurance

The engine is the heart of a bike. It provides the necessary power for its movement. Like other bike parts, the bike’s engine is also vulnerable to damages. Engine damage may occur due to oil leakage or ingression of water.

By default, the standard two-wheeler insurance policies, be it comprehensive or standalone own-damage cover, do not provide coverage for your bike’s engine against damages. Thus, in order to insure the engine of your bike, you need to purchase a bike insurance add-on known as Engine Protect cover. This add-on helps you claim compensation for damages sustained by the engine of your bike and the internal parts of the engine.

What is Engine Protect Cover?

Engine Protect cover is a bike insurance add-on which is available for purchase with comprehensive and standalone own-damage insurance plans. This cover helps you get compensation for the damages incurred by your bike’s engine.

Coverage Available Under Engine Protect Cover

The Engine Protect cover allows you to get insurance coverage in the following cases:

1. Damages sustained by the engine parts due to water ingression.
2. Damages incurred to the engine and its parts due to leakage of lubricating oils.
3. Physical damages incurred to the differential parts or gearbox.
4. Engine failure due to an attempt to start a wet engine.

What is Not Covered Under Engine Protect Add-on Cover?

The engine protection add-on cover can be purchased along with a comprehensive insurance plan or with a standalone own damage insurance plan. The following are not covered under engine protect add-on cover for two-wheeler insurance:

1. Loss or damage including corrosion of the engine or/and the gearbox because of delay in informing the bike insurance provider.
2. Replacement or repair of internal components of the engine caused because of the delay in retrieving the two-wheeler from the water-logged region.
3. Damage or loss to the two-wheeler because of the individual riding the insured bike in an intoxicating condition.
4. Replacement or repair of the engine.
5. Loss or Damage caused to the insured bike riding the vehicle in an illegal race.
6. Loss or Damage caused to a bike in case riding it without a valid driving license.
7. Lubricants cost in the event of loss because of leakage.
8. Any claim being raised after a specific time duration is set by the insurance company.
9. Any claim, wherein the repair process takes place before intimating the insurance provider.
10. Any claims being raised because of damage or loss caused owing to regular wear and tear.

The Engine Protect bike insurance add-on is recommended for all bike owners. However, it is highly recommended for people living in flood-prone areas or in or near streets which get water-logged easily during rains. Engine Protect is also highly recommended for owners of premium bikes which come with expensive engine parts.