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An engine powers your car and can be the most expensive to repair and fix. It is also susceptible to damage resulting from water ingression, lubricant oil leakage, gearbox malfunction, and more. Moreover, it can be vulnerable to water damage caused by flooding.


The costs for getting the engine repaired or its parts replaced are generally not covered by comprehensive car insurance. This is where an engine protection cover can come in handy. This is an add-on cover offered by car insurance providers. Through it, you can get a financial cushion for the cost of the damage caused to your engine.

Check Out Car Insurance Plans Available on Bajaj Markets

Parameters

HDFC ERGO Car Insurance

SBI General Car Insurance

Bajaj Allianz Car Insurance Co. 

Acko Car Insurance

Features

Personal accident cover, 8300+ cashless garages, No Claim Bonus

Multiple add-on covers, cashless claims, minimal documentation, 24*7 customer care

Multiple insurance plans, NCB transfer, easy application and claim process

24X7 emergency assistance, convenient and paperless digital process

Claim Settlement Ratio

100.00%

92.00%

98.54%

95. 64%

Premium Amount Starting At

₹2094*/-

₹2094*/-

₹2094*/-

₹2094*/-

Which Expenses are Covered by the Engine Protection Add-on in Car Insurance?

Although the engine protection cover helps you avoid paying out of pocket for repair-related expenses, some things may not be covered. Knowing which expenses are covered and which aren’t can help you make a better decision before choosing this investment plan.

Here’s a look at the inclusions and exclusions of an engine protection cover.

Inclusions

Exclusions

Lubricant oil leakage

Water inundation

Damage to gearbox

Force starting the engine

Car engine damage

Consequential damage

Hydrostatic lock damage

Regular wear and tear

Water ingression

Damage covered by the manufacturer

Labour cost 

Expenses for improvements or extra fittings

Cost of consumables

Loss/damage caused by delay in retrieving the vehicle

Damage to the undercarriage

Loss/damage caused by delay in informing the insurer

Benefits of Engine Protection Add-on Cover for your Car

Offers Financial Backup

Comprehensive car insurance does not extend its coverage to your car’s engine. Due to the high costs incurred, any expense related to this can easily burn through your savings. With a car engine protection cover, you can boost your coverage and protect yourself financially.

Secures New Cars

Experiencing any engine-related problems can be stressful, especially if you have recently purchased a brand-new four-wheeler. You can put those worries to rest by getting an engine protection cover.

Offers Support in Flood-Prone Areas

If you live in an area that has frequent flooding, your car engine could be more vulnerable to damage resulting from water ingress. You can avoid paying for such repairs out of your pocket repeatedly by getting an engine protection cover.

Enhanced Engine Life

With timely and quality repairs done on your vehicle’s engine through this cover, you can further extend your engine’s life.

Things to Keep in Mind When Purchasing Engine Protection Cover

Making a purchase with incomplete information can result in unnecessary expenses, even with an add-on cover. To make a well-informed decision, here are some points to know about the engine protection cover before you sign up:

  • If your car is older than five years, you cannot get an engine protection cover

  • A car engine protection cover is not available with third-party car insurance. You can get this cover only if you have own damage-only or comprehensive car insurance

  • Choosing any add-on cover, including the engine protection cover, can increase the cost of your premium

  • A car engine insurance cover normally generally comes with a limit as to how often you can raise a claim

  • While insurers usually allow two claims, check the terms of the specific cover you are buying to understand your coverage better

Conclusion

Bearing the cost of maintaining, repairing or replacing your car’s engine can be stressful and may lighten your wallet substantially with various out of pocket expenses. However, this is something you can avoid with the right insurance plan and add-ons. Since add-on covers like the car engine insurance cover are only available with comprehensive car insurance, this plan is a must-have to best protect your car. At Bajaj Markets, you can find the top insurers and some of the best car insurance plans to enjoy extensive coverage at a cost-effective premium!

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FAQs on Car Engine Protection Cover

Is water ingression covered with the car engine protection add-on cover?

Yes, water ingression is covered by this add-on.

 

Do I have to pay an extra amount for this cover?

Yes. Since it is an engine protection cover is an add-on, it adds to your premium amount.

 

How many claims can I make with this cover?

Insurance companies usually allow up to two claims under the engine protection cover.

 

What are the common causes of car engine damage?

Your car engine is susceptible to harm from multiple avenues including damage to the gearbox, hydrostatic lock, water ingression or oil leakage.

Why should I protect my car’s engine?

It is important to get your engine serviced, maintained and repaired as and when required since it is the engine that powers your car. Without it being in top shape, your car may not work, start or give you the needed mileage and fuel efficiency. You must take care of its engine to make your car much more efficient.

Does regular car insurance offer cover for the engine?

No, most engine-related expenses are not covered under regular car insurance. You will have to purchase an add-on such as an engine protection cover in car insurance for this.

Who should get an engine protection cover?

Anyone can get engine protection in car insurance, but it is especially recommended if you have a high-end car or live in areas that are subject to frequent floods and water logging.

What is EP in car insurance?

Here, EP stands for ‘Engine Protect’ in car insurance. However, the costs of getting the engine repaired or its parts replaced are generally not covered by comprehensive car insurance. This is where an engine protection cover can be helpful.

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

Here are the steps for claiming a car insurance engine protection cover:

 

Step 1: Let your insurer know about the damage caused

 

Step 2: A surveyor assigned by the insurer will evaluate your claim request

 

Step 3: If your claim is approved, a reimbursement settlement will then be decided on

 

Step 4: Submit the invoices or garage bills as proof of expenditure

 

Step 5: A reimbursement will be issued by the insurer and your expenses will be reimbursed shortly

When can I opt for the Car Engine Protection Cover?

You can opt for the car engine protection cover at the time of purchase or renewal of your car insurance policy. However, certain insurers permit the purchase of an add-on cover even during the policy period.

Is damage caused due to oil leakage covered under Car Engine Protection Cover?

Yes, the damage caused due to oil leakage is covered under the car engine protection cover.

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