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Know Everything About Engine Protection Cover in Car Insurance

Published On Oct 24, 2020, Updated On May 17, 2021

What is engine protect cover add-on in car insurance​? Who should buy an engine protection cover? Let's explore.

In car insurance policy, the type of plan that offers the most coverage is known as the comprehensive car insurance policy. It would cover you for liabilities in case of damage caused to a third party as well as to your car. However, standard comprehensive insurance plans do not offer complete coverage for the entire range of scenarios in which you may find yourself and be facing damage and liabilities. This is where car insurance add-ons come in. Add-ons are like presents for you to tailor the policy to your own needs and add coverage for varied and specific scenarios. These are available to you at an additional premium and help you strengthen your car insurance policy and make it more robust and well-rounded. Engine protect cover add-on in car insurance is one such add-on.

What is Engine Protect Cover Add-on In Car Insurance?

The Engine Protection Cover add-on offers compensation for liabilities arising from damage to your car’s engine, for replacement of the engine or for parts. There can be a variety of scenarios which cause the engine to be damaged in such a way, resulting in the need for this particular add-on of engine protection coverage. These are water ingression, lubricant oil leakage, or other damage to engine components such as pistons or gearbox. It can also be caused by the damage incurred by starting an engine that is wet. This is known as hydrostatic shock.

Who should buy an Engine Protection Cover?

There are many scenarios where damage to the engine of your car is particularly likely. The cost of engine protection cover comes at an additional premium from your comprehensive car insurance policy, and is usually priced at approximately 2% of the price of your car. Compared to the cost of replacing or repairing an engine in case of damage, this will lead to a lot of savings and is thus advisable to purchase.

The following are situations in which it is particularly recommended for you to purchase this coverage as you may be additionally vulnerable to engine damage:

1. You live in an area prone to natural calamities, especially floods.

2. Your car is new or a luxury car, meaning that the price of repair would be particularly high.

3. You have purchased an expensive car.

In all these scenarios, as well as if you are simply looking for that bit of additional coverage in order to have peace of mind about your car and the potential repair costs of a damaged engine, it is advisable to purchase the additional cover of Engine Protection Cover.


Engine Protection Cover is an extremely useful add-on to purchase in order to strengthen the coverage of your comprehensive insurance policy. It allows you to have considerable peace of mind regarding potential repair costs for a damaged engine, which may not be covered by your standard comprehensive insurance policy.

Types of Car Insurance You Should Know:

Third Party Car Insurance

Comprehensive Car Insurance Policy

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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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