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Engine Protection Add-on Cover in Two-Wheeler Insurance

Updated On Oct 19, 2021

The regular comprehensive policy covers only the damages to your two-wheeler caused due to an accident. You can purchase add-on covers to enhance the standard policy. Read this article to know more about engine protection add-on cover in two-wheeler insurance.

The engine is the heart of the vehicle. Any damage to the two-wheeler’s engine can be expensive. Water ingression leads to damages in the parts of the engine or oil leakage which creates havoc in the functioning of the engine. Such damages are not covered in a standard comprehensive bike insurance policy. The cost of repair of the engine is exorbitant. For such situations, the Engine Protection add-on cover comes to the rescue. Engine protection is not covered in the comprehensive policy, you can purchase it as an add-on cover.

Engine Protection Add-on Cover in Two-Wheeler Insurance

Engine Protection Add-on Cover in Two-Wheeler Insurance

Engine Protection add-on cover provides coverage for repair or replacement of engine and gearbox parts. It is an important inclusion to the comprehensive plan since it enhances the coverage and protects your finances in case of damages or losses to the engine. The engine protection add-on cover is an essential cover that you should consider before buying a two-wheeler insurance policy. 

How Does Engine Protection Add-on Cover Works?

If the engine or gearbox of your insured bike gets damaged due to several reasons such as water entering it or if the coolant or the lubricant has leaked or the engine has stalled then your insurance company will pay for the repair or replacement of the engine. If the engine gets damaged, you need to inform your insurance company and they will offer the coverage to repair or replace the engine.

How to Buy Engine Protection Online?

You can buy engine insurance cover at the time of buying a new policy or while renewing the existing policy.  Follow the steps given below to buy engine protection cover online -

1. Visit the insurance company’s website.

2. Enter the details of the bike such as model, registration number, etc. 

3. Choose a comprehensive insurance policy to have the option of including add-on covers.

4. Choose the engine protection add-on cover.

5. Pay the premium and receive the policy document in your mail.

Benefits of Engine Protection Add-on cover

The Two-Wheeler Engine Protection Cover has the following features and benefits:


  • Financial protection in the event of an oil or lubricant leak inside the engine.
  • Hydrostatic lock causes physical damage to elements of the engine and gearbox.


  • Pays for the bike's most expensive component.
  • Provides financial security.
  • This is a great option for new bikes and people who live in flood-prone locations.

Exclusions of Engine Protection Add-on Cover

It is necessary to keep in mind that the following things are generally not covered under Engine Protect Add-on cover:

  • Corrosion resulting in damage to the engine or gearbox parts.
  • Repair or replacement of inner components in case of prolonged submersion of the engine in waterlogged regions. 
  • Damage to the engine caused due to driving when intoxicated. 
  • Riding or participation of the vehicle in an illegal race. 
  • Not having a valid driver's license while riding the vehicle. 
  • Leakage resulting in Lubricant loss. 
  • Exceeding the time limit set by the insurance company to make a claim.
  • Repairing the vehicle before intimating the insurance provider. 
  • Claims concerning regular wear and tear.

Take Away

Normal insurance doesn't comprehensively cover every component of the car. When it comes to car insurance, one of the most important and neglected parts of our cars includes its engine. To cover it under insurance it needs to be purchased as an add-on.

Also Read:

How To Get the Details of Bike Insurance By Registration Number?

How To Get A Duplicate Copy of New India Bike Insurance Documents?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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