What is Car Insurance Engine Protection Add-on?
Updated On Oct 14, 2023
The engine protection is one of the most recommended and popular car insurance add-ons. Let's decode it in detail.
One of the most interesting features of a car insurance plan is its add-ons. A car insurance add-on refers to the additional coverages or benefit which can be opted with it for an extra premium. These add-ons are only available with a comprehensive policy and cannot be thus opted for with a third party insurance policy in India.
An insurance policy will help you whenever there is a financial crisis in terms of repairing charges or damages incurred due to an accident of the vehicle. Thus it is always advisable to choose the add-ons which best suits the requirements for your car. Some of the most popular car insurance add-ons include engine protection cover, zero depreciation cover, NCB protect, which are required in a policy to protect some valuable components unless he or she gets some add-ons. Using an add-on cover gives you more flexibility during an insurance claim. One of the most popular add-on covers is the engine protection cover which allows protection against damages for the engine or some of its parts.
What Is Engine Protection Cover?
A car engine protection cover provides a protective shield from damages for the parts of the engine. Damages to the engine such as leakage of fuel, hydrostatic lock (locked engine due to ignition in the waterlogged state), water ingression (entry of water due to flood or rain), damaged gearbox, broken crankshafts or pistons and cylinders are covered under this add-on. These internal engine damages can have significant repairing charges and can sum up to thousands of rupees or more. Having an add-on along with your insurance policy would save you from making these expenses.
The Necessity of an Engine Protection Cover
It is very important to get an add-on engine cover with car insurance policy. The engine of the car is an essential part which helps keep the vehicle functioning smoothly. A car with a damaged engine is mostly junk as it is the engine that is the most expensive part in a car.
Repairing a damaged engine will surely incur huge expenses as the engine is built with numerous expensive parts and the manual labour charges in repairing the engine are also high. So in order to be financially stable with your car’s engine, it is very important to acquire a car engine protection cover to help you save from the financial repairing losses.
How To Get An Engine Protection Cover?
You can acquire an engine protection coverage with add-on facilities. The add-on covers are not included in any regular insurance policy. So, if you want to opt for additional coverage on your car engine, you will have to get an extra engine add-on protection. Almost all insurance policies will allow you to select from numerous add-on covers.
When selecting an insurance policy for your car, you will have to purchase the engine protection cover at an extra cost and the total insurance premium will be charged accordingly.
Car Engine Maintenance Tips
Even if you have opted for an add-on engine coverage which protects your car engine from damages, and wear and tear, you should also keep an eye on your engine’s health, and you should regularly maintain your engine following the below-mentioned tips -
- Never overheat the engine. Take occasional breaks necessary and allow the engine to cool down during longer rides.
- Regularly check your car’s engine oil. Changing oil on a regular period of time will keep the car engine healthy and also allow smoother performance.
- Always check the air filters and change them on a regular basis as and when required.
- Check the drive belts and make sure to replace them at regular intervals of time.
- Get a regular engine tune-up whenever necessary.
It is always a good investment to buy an add-on engine insurance cover along with your car insurance policy. You never know when your car engine could break down and cause you trouble reaching places on time.
During the monsoon season, the engine becomes more vulnerable and is prone to become damaged by excessive water intake in its pistons. When water enters the car engine, the car will cease to work. This water logging problem is not covered under a normal car insurance policy, and so it is recommended to opt for an add-on engine protection coverage.
Note that starting the engine when a car is submerged on a flooded road will damage the engine. So do not switch on the ignition if the car has broken down on a flooded street. This type of damage caused by waterlogged ignition is considered intentional and is not included in an insurance cover.
For further reading:
Disclaimer: This article is issued in 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.