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.

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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.

  • How can I file a claim for a car insurance engine protect cover?

    You can follow the below mentioned steps to file a claim for engine protect cover: Step 1: Inform the insurer regarding the loss or damage to the parts of your car’s engine. Step 2: A surveyor would be assigned by the insurance company in order to settle the claim. Step 3: Reimbursement for the repair bill would be given to the insurance provider towards the repair car’s component such as connecting rods, pistons, etc.
  • Who needs to purchase engine protection add on cover?

    An engine protection add-on cover acts as an additional protection to your basic plan. Reasons why you should consider purchasing this add on cover are as follows: 1. If living in flood prone area 2. In case you have purchased an expensive car, then repair for the parts of such a car is costly. 3. In case you wish to avoid financial risks, an additional protection can be offered to your basic car insurance policy.
  • Is my car’s engine covered under the regular car insurance plan?

    No, own damage or comprehensive car insurance plan does not offer protection against damages or losses to engine components.
  • Is engine protection cover for your car insurance important?

    With this cover, you can safeguard yourself financially as protection is provided against any repair or replacement cost if the car’s engine or its components are damaged.
  • Why is protecting your car’s engine necessary?

    It is significant to protect your car’s engine because: 1. It is the most expensive component. 2. Repairing or replacement can be very costly. 3. Significant Material and labor cost.

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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.