What is Engine Protection Cover in Car Insurance
A car’s engine is the most exorbitant part of the car. Any damage to it results in pouring your savings down the drain. To overcome such mishaps, the engine protection cover in car insurance is of great assistance. If you have an add-on cover for engine protection in car insurance, all the losses and damages of the car engine will be covered under it.
Usually, comprehensive car insurance does not include an engine protection cover. Hence, adding a car engine protection cover will garner advantages in areas that are prone to floods. An engine is susceptible to damage due to lubricant oil leakage, ingress of water, and gearbox malfunction, among others. The cover acts as a financial cushion to help minimise additional costs and reinforce your car insurance plan.
Why is Engine Protection Important for a Car?
Do you know why car insurance with engine protection is important for a car? It is because they offer many important advantages that make the insurance package more beneficial to the owner. Here are some of them:
As an owner-driver, you must be aware that the engine is the most expensive part of a car. Engine protection cover in car insurance means replacing or even repairing the engine won’t leave a dent in your life savings and need not be taken from your pocket.
Comprehensive car insurance does not extend its coverage to your car’s engine. This can be quite worrisome as the cost of repairing the engine can easily burn through your savings. But the car insurance engine protection cover secures you against any repairs, replacements, or damages incurred by the engine!
Support in Flood-Prone Areas
For people living in flood-prone areas, the chances of incurring engine damage due to water ingression or other issues are high. In such cases, engine protection cover of car insurance can be a lifesaver!
Experiencing any engine-related problems can be stressful for car owners who have recently purchased a brand new four-wheeler. With an engine protection cover, you can cover all the expenses pertaining to any repair damage resulting to the engine.
Which Expenses are Covered Under Engine Protection in Car Insurance
With an engine protection cover in insurance, you will be financially covered for several aspects. Let us have a look at the list of damages that are included under the add-on cover:
The engine protection cover in car insurance secures any repair expenses arising from the leakage of the lubricant oil in your vehicle. So, now you can rest assured when it comes to your engine!
All damages to your gearbox including the cost of repairing as well as replacing the gearbox are covered under the add-on.
Damages to the Car’s Engine
If any part of your engine does not function effectively, its repair and replacement costs shall be covered. This includes the connecting rods, crankshaft, etc.
Damages to Hydrostatic Lock
In case of damage caused to the hydrostatic locks in your car, the add-on cover has got your back. This may happen if you try to start your car while the engine is still wet.
Damages caused to the engine of the car due to water ingression are covered by car insurance with an engine protect cover.
The labour costs incurred due to the replacement or repair work are included.
The expenses incurred for the consumables used in your car while repairing the engine will be covered.
Damages to Car’s Undercarriage
Damages to the undercarriage of your car will be covered by the car engine protection cover.
What’s Not Covered Under Engine Protection Cover
It is best to understand the exclusions beforehand to avoid claim rejections in the future, so here are some aspects that are not covered under the engine protect cover:
Force Starting the Engine
The car engine protection cover will not secure any damage if you try to force start the engine of your car in case it was submerged in water.
In any case of water inundation, both your replacement costs as well as the engine repair costs will not be covered. You will have to cover the damage expenses from your own pocket.
The car engine protection cover does not include the consequential damages caused to your car’s engine. For instance, if you continue to drive your car despite water logging, your car will incur damages that are consequential.
The damages caused to your four-wheeler due to regular wear and tear will not be covered by the engine protection cover in car insurance.
Damages Covered by the Manufacturer
While purchasing your car, the manufacturer will provide you with a warranty for certain damages for a specific period. The engine protection cover in car insurance will not cover the damages that are already covered by the manufacturer.
Things to Consider While Opting for Engine Protection Cover
Before buying an engine protection cover in car insurance as an add-on, you must be aware of certain terms and conditions. Here are some points to keep in mind before finalising the purchase.
An engine protection cover is available only for the ones with comprehensive car insurance or policies that cover the damages of their own car. A car engine protection cover is not available with third-party insurance.
Cars older than five years are not eligible to get a car engine protection cover as an add-on.
An additional insurance premium must be paid by the car owner to purchase an engine protection cover since it is an add-on cover.
Before buying car insurance read all the terms and conditions carefully. A majority of the insurance providers allow car owners to raise two claims under their car engine protection cover.
Repairing or replacing the engine of your four-wheeler is an expensive affair. This is why a car engine protection cover is a must to help you maintain the vehicle’s engine while not spending excessively on repairs and damages. But such add-on covers are only available with a comprehensive car insurance plan.
If you still haven’t safeguarded your vehicle with the car insurance policy, now is the time to head over to Bajaj Markets. Enjoy speedy renewals, hassle-free claim settlement, extensive coverage and cost-effective premium with us!