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Does It Help To Buy An Engine Protection Cover?


Written by Sharad Bajaj

Updated Oct 13, 2023

Buying an engine protection cover for your car helps to provide for immediate repair of the engine in case of damage.

Buying car insurance ensures that your car is protected against unwarranted damage caused due to theft or accident. However, one cannot make a car insurance claim on damages caused to the engine or its various parts including crankshaft, cylinder, gearbox, pins, piston, etc. The common kinds of engine damages are leakage of oil pipe, dysfunction of gearbox, inflow of water into the engine during floods or waterlogging, engine failure due to jamming of the hydrostatic lock etc. To ensure complete financial protection against any kind of engine damage, some people opt for an engine protection cover as an add-on to their already existing comprehensive car insurance policy.

Why Should You Buy An Engine Protection Cover?

Buying an engine protection cover helps to provide for immediate repair of the engine in case of damage. Engine repair can prove to be costly and can be done by experts only. In addition, engine repair involves considerable expenses on the material and labour involved. Paying for the cover in lieu of nominal addition to car insurance premium charges helps as you can get then your car repaired at a network garage of your choice. Moreover, this cover ensures that you do not have to pay for the damages from your pocket.

Exclusions To Your Engine Protection Cover

Having an engine protection cover. However, this cover does not secure your car engine if

- You force to start the engine of your car when it is submerged in water

- You intentionally drive a car with a damaged bonnet

Who Should Buy An Add-On Cover For Engine Protection?

Not all add-on covers are important. In fact, you must pay for an add-on engine protection cover if:

- If you are living in an area prone to flooding or waterlogging

- If you own a luxury car that functions on a high-end engine, the repair of which costs a bomb

- If you prefer to play safe, especially, when it comes to your car

The add-on covers do not cost much. Also, the claim settlement process for this add-on cover is smooth and hassle-free and ensures that you remain covered for any kind of unforeseen damage to your car engine. However, only claim pursuant to each add-on cover is allowed within the policy period. To secure your car engine against another possible claim, you will have to again pay for the add-on engine protection cover. Also, the add-on cover cannot be bought for cars that are more than five years old.


Written by Sharad Bajaj

Sharad is an insurance industry veteran who has managed motor insurance products for over a decade. Read More


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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