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An engine protection cover in bike insurance is an add-on cover that is available with a comprehensive insurance policy. As damages caused to the engine of a vehicle can lead to hefty repair or replacement expenses, this add-on ensures you have a sufficient financial backup. 


Most comprehensive bike insurance plans do not cover the vehicle engine, leading to out-of-pocket expenses in case of an unfortunate mishap. If the repair/replacement cost arises due to lubricant leakage, water ingression, or hydrostatic lock, the engine protection cover for bikes will have your back.

Benefits of Engine Protection Cover in Bike Insurance

Here are some key perks of opting for a bike engine protector cover:

  • Extensive Coverage

As we mentioned before, comprehensive two wheeler insurance does not cover the damages incurred by the vehicle engine. However, by purchasing an engine protection cover for bikes, you can enjoy extensive coverage over and above your insurance policy!

  • Financial Security

With a motorbike engine protection cover, you can avail financial security in the case of any damage or loss caused to the bike’s engine. Thus, you can stop worrying about the repair expenses burning a hole in your wallet.

  • Peace of Mind

Who doesn’t prefer having a backup against unforeseen events that may or may not occur? For a nominal bike insurance premium price, you can opt for the engine protect cover and have peace of mind.

  • Speedy Recovery

In case you cannot immediately bear the monetary cost of repair, the recovery time of the engine could be affected. However, such an add-on cover enables you to get the required replacement or repair work completed as soon as possible for quick recovery!

What’s Covered Under Engine Protection Cover

Let’s understand the inclusions of the motorcycle engine protection cover:


  • Lubricant Leakage: In case of leakage of oils or any other lubricant, the loss incurred by the two-wheeler’s engine shall be covered under the add-on cover.

  • Water Ingression: If your vehicle engine gets damaged due to water ingression caused during floods, the insurer shall compensate for the repair or replacement expenses.

  • Engine Failure: The bike engine guard cover shall offer coverage in case the engine fails to start due to dampness.

  • Physical Damage: Any loss caused to the bike’s engine during an unfortunate accident is included in the add-on cover.

What’s Not Covered Under Engine Protection Cover

Now, let’s take a look at the exclusions of the bike engine protector cover:


  • Driving While Intoxicated: The insurance provider will not offer coverage in case any damage is caused to the engine while driving under the influence of intoxicants.

  • Driving Without Valid Licence: Any loss incurred by the vehicle engine while driving your two-wheeler without a valid licence is not covered.

  • Manufacturer’s Warranty: The insurer will not provide financial coverage for claims that are already covered under the manufacturer’s warranty.

  • Regular Wear and Tear: Natural wear and tear of the bike’s engine is not covered under the add-on cover.

  • Failing to Inform Insurer: The insurance provider will not cover the loss if the engine is repaired before intimating the insurer.

  • Driving Without Valid Insurance: Any damage caused to the engine while driving the bike without a valid two-wheeler insurance policy is not covered.

  • Lapsed Insurance: The insurer will not cover any repair claims filed under a lapsed comprehensive bike insurance policy.

How to File a Claim Under Engine Protection Cover

Raising an insurance claim under the engine protection cover is similar to making a claim under your comprehensive bike insurance plan . Here are the steps you can follow to file a claim under the bike engine guard cover:


Step 1: Notify the insurance provider at the earliest by calling them on their toll-free number or visiting their official website.


Step 2: Duly fill out the claim form and keep the required documents handy to submit to the insurance company.


Step 3: After you have informed the insurer, a surveyor appointed by the company shall assess the damage incurred and approve the claim.


Step 4: The repair work will begin once your claim is approved!

To Conclude

The engine is the most important component of any motor vehicle, hence it is crucial to financially secure it. With an engine protection cover in bike insurance, you can rest assured that you shall be covered in the event of an untoward incident. At Bajaj Markets, you can avail such a lucrative add-on cover at a cost-effective premium rate without compromising on your coverage. Head over to our platform and browse through our insurance offerings today!

FAQs on Engine Protection Cover in Bike Insurance

Does bike insurance cover any engine damage?

Comprehensive two-wheeler insurance does not cover any loss or damage incurred by your vehicle’s engine.

Who should buy the engine protection add-on cover?

The engine protection add-on cover is suitable for the following policyholders:

  • Individuals who live in flood-prone regions.

  • Policyholders whose bike has an expensive engine.

  • Individuals who want to financially safeguard their vehicle engine against damage.

Is it necessary to opt for a bike engine protection cover?

The bike engine protection cover provides extensive coverage against the risk of engine damage, which is why it is crucial to opt for such an add-on.

Will my bike insurance premium increase by opting for an engine protection add-on cover?

Yes, your bike insurance premium shall increase by purchasing the engine protection add-on cover. However, the coverage offered by the add-on cannot be compared to the repair or replacement costs of engine damage.

What are some other exclusions of the motorcycle engine protection cover?

Here are some common exclusions of the bike's full engine protection cover:

  • Damage incurred by the engine due to illegal racing.

  • Cost of consumables such as lubricant flushed out from the engine.

  • Any claims that are already covered under the manufacturer’s warranty.

  • Any delays in notifying the insurer about the bike insurance claim.

Can I buy a bike engine protection cover online?

Yes. You can buy a bike engine protection cover online on Bajaj Markets.

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