Engine Protect Cover Add-on In Car Insurance

Engine Protect Cover Add-on In Car Insurance

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

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

What is Engine Protect Cover?

Engine Protect cover is a car 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 car’s engine.

Engine Protect Cover’s Coverage

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

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

Who Should Purchase Engine Protect Cover?

The Engine Protect car insurance add-on is recommended for all car 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 cars which come with expensive engine parts.

Car Insurance Add on Covers

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Add-ons For Your Car Insurance Policy

  • Zero Depreciation

    A car's value depreciates constantly with time. Thus, at the time of a claim settlement, the depreciated value of a car is deducted from the claim amount. However, by opting for a zero depreciation add-on you can shift the liability of the depreciation cost to the insurer and get the entire claim amount without any deduction of the depreciation sum. This add-on is generally available till the age of 5 years of car, however, the car age limit varies from insurer to insurer.

  • NCB Cover

    A No Claim Bonus (NCB) is a discount given by the insurer in the premium amount to a car insurance policy holder for not making a claim in the entire tenure of the four wheeler insurance policy. This discount is not available if the policy holder has made even a single claim. However, with the NCB cover, a policyholder will be entitled to receive an NCB discount despite having made a claim subject terms and conditions of insurance company. The NCB discount keeps on increasing with every claim-free year until it reaches 50%.

  • Engine Protection Cover

    A car's engine is by default not covered under either a comprehensive or a standalone own-damage car insurance policy. And therefore, if it gets damaged due water-logging or oil leakage, your insurance company is not liable to pay for its damages. But, if you opt for the add-on known as Engine Cover, you can get your car's engine insured by the insurer for damages incurred due to water ingression as well as leakage of lubricants. Engine Cover is one of the most popular car insurance add-ons and is available against the payment of a nominal premium.

  • Invoice Cover

    If you have a return to invoice cover added on to your comprehensive car insurance policy, you can claim the total ex-showroom price of your four wheeler, taxes and registration charges, in case of total loss. In case of total constructive loss (more than 70% of damage) or theft of your car, an insurance company pays the Insured Declared Value (IDV) of your car as compensation. However, this IDV is lesser than the actual amount paid by you at the time of purchasing your car. When you opt for the add-on called Return To Invoice Cover with your car insurance policy, the insurance company pays the total ex-showroom price of your car plus the taxes and registration charges incurred at the time of purchase, as the claim amount in case of total loss.

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Engine Protect Cover Add-on FAQs

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

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

  • When can I opt for the Engine Protect Cover?

    The Engine Protect cover can be opted 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 car insurance plan cover damages incurred by my car’s engine?

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

  • Can I add other add-ons also along with the Engine Protect Cover to my car 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 car insurance policy.

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