Engine Protect Cover Add-on For Two Wheeler Insurance

Bike Engine Protection Cover Addon

Bike Engine Protect Cover - 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. An engine damage may occur due to oil leakage or ingression of water.

By default, the standard bike 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.

Engine Protect Cover’s Coverage

  1. The Engine Protect cover allows you to get an insurance coverage in the following cases:
  2. Damages sustained by the engine parts due to water ingression.
  3. Damages incurred to the engine and its parts due to leakage of lubricating oils.
  4. Physical damages incurred to the differential parts or gearbox.
  5. Engine failure due to an attempt to start a wet engine.

Who Should Purchase Engine Protect Cover?

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.

Add-on Covers For Your Bike Insurance Policy

  • Zero Depreciation

    Like other assets, the value of your two wheeler also depreciates constantly with time and the liability of this expense by default rests with the policyholder. A zero depreciation add-on protects you against the depreciation expenses incurred by your bike. Thus, if you opt for a zero depreciation cover, depreciation expense of your bike is not deducted from your claim amount at the time of a claim settlement. This add-on is available with comprehensive bike insurance plans as well as standalone bike insurance plans. This is one of the most popular and recommended bike insurance add-on covers.

  • Invoice Protection

    In case of total loss (more than 70% damage) or theft of your bike, the insurance company pays you the Insured Declared Value of your bike as compensation. However, this Insured Declared Value (IDV) is less than the invoice price which you pay at the time of purchasing your bike. The Invoice Protection add-on cover helps you claim the Invoice Price, i.e. total ex-showroom price of your bike plus taxes plus registration charges, of your bike in case of total loss or theft of your bike.

  • NCB Cover

    No Claim Bonus is the reward which is given to the policyholder for not making any claim during the policy period. This reward is offered by the insurer in the form of a discount on the own-damage premium of the bike insurance policy at the time of policy renewal. The NCB ranges from 20% to 50% of the own-damage premium depending on the number of claim-free years. However, if you make even a single claim during the policy period this NCB gets lost. But, with the NCB Cover, you can keep your NCB intact even after making a claim during the policy period.

  • Engine Protection Cover

    The damages incurred by the engine of the two wheeler are by default not covered under a bike insurance policy. However, if you opt for an Engine Protection Cover, the insurer will be liable to compensate you for damages incurred by the engine of your bike such as damage due to leakage of lubricants, water ingress, hydrostatic lock, damaged gearbox, broken crankshafts or pistons and cylinders. The repair cost of the internal engine parts is often high and can sum up to thousands of rupees or more. Thus, addition of this add-on to your comprehensive or standalone 2 wheeler insurance policy can save you from these expenses.

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Bike Engine Protection Cover FAQ

  • Is the Engine Protect add-on available with a third party bike insurance plan?

    No. Like all other bike insurance add-ons, the Engine Protect Cover is also available with only comprehensive and standalone own-damage bike insurance plans.

  • When can I opt for the Engine Protect Cover?

    The Engine Protect cover can opt for either at the time of policy purchase or policy renewal. However, some but not all insurance companies do allow addition of the add-on covers even in between the policy period.

  • Is damage caused due to oil leakage covered under Engine Protect?

    Yes, engine damage caused by leakage of lubricating oils is covered under the Engine Protect add-on cover.

  • Does my standard comprehensive bike insurance plan cover damages incurred by my bike’s engine?

    No, by default, a standard comprehensive bike insurance plan does not provide coverage for damages incurred by your bike’s engine.

  • Can I add other add-ons also along with the Engine Protect Cover to my bike insurance plan?

    Yes, you can add as many add-ons as you wish with the Engine Protect Cover to your standard comprehensive/standalone own-damage bike insurance policy.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.