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What is Engine Protection Cover?

Driving a car in a country like India can be risky, as the road conditions are quite rough. This is why it is essential to get a car insurance policy to safeguard your financial savings and get proper assistance during unfortunate situations like accidents or theft. However, you might feel that your policy is not offering adequate coverage.

This is when add-on covers can be useful, as they help increase a policy’s base coverage. One such add-on is an engine protection cover in car insurance. An engine protection cover is an add-on that offers financial coverage against any damage to the engine of an insured car. This add-on covers the cost of repairing the engine and its parts.

You should know that comprehensive car insurance will not provide coverage against engine-specific damages. So damage to the engine or its parts, such as the piston, gearbox, crankshaft, cylinder, pins, etc., will not be covered under a base plan. Hence, you’ll need an engine protect cover for these instances.Damage to the engine of your insured car can happen due to water ingression, gearbox damage, leakage of lubricating oil, hydrostatic lock, etc. Also, during monsoon season, if water enters the engine, it might cause trouble.

Therefore, this add-on cover is a must-have if you live in an area more prone to floods. Repairing the engine and its parts can put a major dent in your savings, so it is best that you get covered with our engine protection cover.

How Does Engine Protection Cover in Car Insurance Works?

If you are the owner of a hatchback. Generally, in India, the replacement and repair costs of engine parts like pistons and pins, crankshaft, cylinder, etc., can increase from ₹1,00,000 to ₹1,20,000.

The metal and plastic parts of the car's engine will cost an additional ₹20,000 or more. If you haven't opted for an engine protection add-on, you will need to pay all of this amount from your own pocket.

But, if you buy our car insurance with engine protection cover, you don't need to worry about the expenses incurred in repairing and replacing the engine or its parts. You can have peace of mind, as the engine protection add-on will financially protect your car's engine.

Why Do You Need Engine Protection Cover in Car Insurance?

A basic car insurance policy does not cover engine replacements or repair expenses. Car engine replacements and repairs are complex and, thus, more expensive than other car parts. It can also result in significant labour and material charges, increasing out-of-pocket expenses.

So, if you ever face an unfortunate situation where you need to replace or repair your car's engine, it will lead to higher repair expenses. This is why you need the engine protection add-on cover for your car, as it covers engine repair and replacement expenses.

Benefits of Car Engine Protection Cover with IndusInd General Insurance

Your Policy Might Not Cover Your Vehicle's Engine

Standard car insurance plans might not offer coverage for engine damage. However, you can get engine protection as an add-on cover to get coverage for engine damage. This will help save you a considerable amount of money, which you would otherwise have to spend on replacing or repairing your car's engine.

Offers Financial Assistance for the Most Expensive Car Part

The engine is the most expensive part of a four-wheeler. Therefore, repairing or replacing the engine can be a significantly high expense. However, with an engine protect add-on in car insurance, you do not have to worry about the expenses of replacing or repairing your car's engine.

Improves the Longevity of The Car

The engine is considered the heart of the car; therefore, its proper functioning is essential to enhance its longevity. If the engine is damaged and you do not repair it on time, it can disrupt the functioning of your four-wheeler.

However, an engine protection cover will compensate for the repairs to your car's engine, ensuring it functions properly for years to come.

Financial Support for New Car Owners

If you have recently purchased a new four-wheeler, any damage to your car's engine because of water ingression can lead to a significant financial burden. Additionally, repairing the engine parts of a new four-wheeler is comparatively more expensive.

Financial Support for New Car Owners

If you own a car in an area prone to waterlogging or floods, you will often find your car's engine damaged by water ingress. The engine protection cover you buy, along with your policy, will offer coverage for the cost of repairing your four-wheeler's engine because of waterlogging.

Engine Protection Cover in Car Insurance: Inclusions and Exclusions

What is Covered?

Engine and gearbox protection cover

Water ingression

Leakage of lubricant oil.

Damages to hydrostatic lock

Damages to cylinder

Damages to crankshaft

Labour expenses

What is Not Covered?

Damages to the car's engine due to general wear and tear.

Consequential damages to your insured car's engine. For instance, if the original damage causes subsequent loss or damage, only the original damage will be covered under our car engine protection cover.

Damages that are already covered under the warranty offered by the car's manufacturer.

Usually, engine protection cover in car insurance is unavailable for cars older than five years.

Disclaimer: Please refer to official policy documents for complete details.

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Who Should Purchase
Engine Protection Cover?

Ideal for Luxury and High-End Cars

If you own a luxury or high-end car, an engine protection add-on cover will benefit you, as repair or replacement of the engine can be expensive.

Essential for Flood-Prone Areas

If you reside in a flood-prone area, you must consider purchasing this add-on cover, as flooding is likely to damage your car's engine.

Extra Protection Beyond Comprehensive Policy

If you have a comprehensive car insurance policy but require additional coverage for your car's engine, you can opt for an engine protection cover.

How to Buy Engine Protection Cover?

Visit our Car Insurance page and enter your car's registration number, mobile number and email id.
After typing in the OTP, verify your vehicle's make and model, RTO, registration number, etc and proceed.
In the add-on screen, select the engine protection insurance cover and any other add-ons to enhance your coverage.
Review your quote and selected add-on covers.
Enter all the remaining details regarding your previous car policy, nominee details, inspection method, etc
Proceed to make the payment. Once you have made the premium payment, you will receive a confirmation of your policy in your inbox.

Factors To Keep in Mind While Purchasing Engine Protection Cover

If you own a car older than 5 years, you cannot get an engine protection add-on cover.

Engine protection add-on cover cannot be purchased with third-party car insurance; it is available only with comprehensive or own-damage policies.

Engine protection is an add-on cover, so you will need to pay an additional premium to purchase it.

Under the engine protection add-on cover, you are usually allowed up to two claims. However, this varies by insurer, so always check the terms and conditions.

Conclusion

The engine is the most essential part of the car. Therefore, you should always look after your car's engine to ensure it works properly. Getting engine protection insurance is the best approach to protecting your car's engine.

Along with engine protection cover, we also offer other add-on covers in car insurance such as consumables cover, nil depreciation, roadside assistance, etc. Choose the add-on covers that suit your needs, and enjoy driving without worries!

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