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Engine Protection Cover in Car Insurance

The engine is the most expensive part of your car and costs a lot of money to repair or replace. Engine Protection Cover is a special add-on insurance that protects your car's engine from damage.

Water damage, oil leakage and mechanical breakdowns can damage your engine completely. When such incidents happen, you might have to spend lakhs of rupees to fix it. This cover becomes essential because regular car insurance does not protect your engine from all types of damage.

Here's a common situation many car owners face. Imagine you are driving to work on a rainy day when the roads suddenly flood with water. The engine gets completely damaged due to water exposure. Without an Engine Protection Cover, you will have to pay the entire repair cost from your own pocket.

This is exactly where IndusInd General Insurance (formerly Reliance General Insurance) steps in to help you. Our Engine Protection Cover protects you from such costly emergencies. IndusInd General Insurance offers quick claim settlement, cashless repairs at authorised garages and 24/7 customer support*. With our wide network of garages across India and an efficient claim process with the Self-i app, you get back on the road quickly without paying huge repair bills from your own pocket.

How Does Engine Protection Cover Work?

Engine Protection Cover acts like a safety shield for your car's engine. It monitors and protects the most vital part of your vehicle from unexpected damage. Think of it as a specialised guard that only focuses on keeping your engine safe and running smoothly.

What makes this cover special is its focused approach. Unlike regular car insurance, which covers many different parts, Engine Protection Cover concentrates only on engine-related issues. It provides comprehensive protection for the engine block, pistons, cylinders, crankshaft and other internal engine components that are expensive to repair or replace.

The water can mix with engine oil and other fluids, creating a dangerous situation for engine components. The cover works by detecting specific types of engine problems that occur due to external factors.

Another way this cover functions is by protecting against oil-related engine failures. Sometimes engine oil gets contaminated with dirt, debris or other harmful substances. This contaminated oil cannot properly lubricate engine parts, causing them to rub against each other and create serious damage.

The cover is also helpful during mechanical breakdowns that happen due to component failures. These problems can occur even in new cars where engine parts stop working properly without any external damage or accident.

Benefits of IndusInd Engine Protection Add-On

This engine protection cover protects car engines from water damage during floods and heavy rains. When water enters your engine, it can cause expensive repairs. The cover pays for all water-related engine damages, saving thousands of rupees in repair costs.

Engine oil can get dirty or contaminated, causing serious engine problems. This cover takes care of damage caused by oil leakage and contamination. It includes repairs to engine parts that get damaged when bad oil circulates through the engine system.

We make claims very simple and fast. You just need to call our helpline and report the engine damage. Our team quickly processes claims and approves genuine cases. You get money back or repair coverage without long waiting periods or complicated paperwork procedures.

We have tie-ups with over 11,000 garages across India for engine repairs. You can choose any authorised garage for cashless repairs. The garage will fix the engine and we will pay them directly. You don't need to arrange money up front for expensive engine repairs.

Engine protection cover comes at very reasonable prices. You pay a small extra amount with your regular car insurance to get this valuable protection. The premium cost is much lower compared to the expensive engine repair bills car owners might face without this cover.

Who Should Buy an Engine Protection Cover?

Regular City Drivers

People who drive daily in heavy traffic and stop-and-go conditions should buy engine protection for mechanical wear coverage.

First-Time Car Buyers

New car buyers who want complete protection for their investment should add engine protection to their insurance policy.

Owners of Expensive Cars

Luxury car owners should consider engine protection since engine repair costs are very high for premium vehicles.

Car Owners in High-Risk Areas:

People living in flood-prone areas where water damage to engines is common should buy engine protection cover.

Engine Protection Cover: Inclusions & Exclusions

What's Covered?

Engine Repair and Replacement: Engine protection covers the cost of repair or replacement of damaged engine parts due to mechanical failure, water ingress or oil leakage problems.

Gearbox Protection: Damage to the gearbox and transmission system is covered under engine protection, including the repair of clutch and gear-related mechanical issues.

Lubricating Oils Coverage: The cost of engine oil, gearbox oil and other lubricating consumables used during engine repair work is covered under this protection.

Labour Charges: All mechanic labour charges for engine repair work are covered, reducing your out-of-pocket expenses for professional repair services significantly.

What's Not Covered?

Wear and Tear & Older Vehicle Restrictions: Engine damage due to normal ageing and routine use is excluded, and this add-on isn't applicable for cars older than 7 years.

Consequential Engine Damage: If original damage causes additional problems, only the first damage is covered, while subsequent damages are completely excluded from coverage.

Manufacturer Warranty Issues: Engine problems already covered under the car manufacturer's warranty are excluded since they should be claimed through the manufacturer's service centres directly.

Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here

How to Buy IndusInd Engine Protection Cover?

On the form on top of this page, enter your car registration number and mobile number. You can also use our calculator below to check your car insurance premiums.

If your car is new click, "Bought a New Car" and then "View Price". Next, select your car make/model and enter your registration and previous policy details if available.

Enter your mobile number and then the OTP you receive. Next select your policy type and choose your car's IDV from the given range.

Select the RTI add-on on the next page and any other add-ons you require, then review the policy details and final price.

Pay online using your preferred mode (Card/UPI/Net Banking) and complete the CKYC with your PAN details to receive your policy.

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How to Claim IndusInd Engine Protection Cover?

Steps to File a Claim Under the Engine Protection Cover

Step 1: Inform Us

Call our customer helpline or register on the Self-i app immediately after engine damage occurs to register your claim.

Step 2: Go to a Network Garage

Take your damaged car to our network garage or authorised service centre for proper inspection and damage assessment. Use the widget below to find your nearest garage.

Step 3: Surveyor Assessment & Report

Allow our surveyor to inspect the engine damage thoroughly and prepare a detailed report about the repair costs and coverage.

Step 4: Submit Documents

Provide policy documents, registration certificate, driving licence and any other papers requested by the insurance company representatives.

Step 5: Get Reimbursed

After approval, we will either pay the garage directly or reimburse you for covered engine repair expenses quickly.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

Key Takeaways

Your car's engine is the most expensive part of your vehicle and needs proper protection from unexpected damage. Engine repairs can cost lakhs of rupees, especially when water damage or mechanical failure occurs, which means many car owners face a huge financial burden when their engines get damaged without proper insurance coverage.

Engine problems are very common in India due to heavy monsoons, flooding and poor road conditions, and water damage alone accounts for thousands of engine insurance claims every year. Without engine protection cover, you will have to pay these massive repair bills from your own pocket, which can completely disturb your family budget and create long-term financial stress.

We understand that losing your car due to engine problems creates both financial and emotional stress for families, so our engine protection cover ensures you never face such difficult situations in the future.

With IndusInd General Insurance (formerly Reliance General Insurance), you get trusted protection backed by our strong network of over 11,000 authorised garages* across India, which means you also benefit from quick claim settlement, cashless repairs, 24/7 customer support* and affordable premium rates. Our efficient digital claim process through the Self-i app makes everything simple and fast, ensuring you get back on the road without delays or complications.

Don't wait for engine problems to happen because prevention is always better than a cure. Protect your valuable investment today with IndusInd General Insurance engine protection cover.

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Frequently Asked Questions

Is it necessary to have an engine protection cover for my car?

While your car runs fine without an engine protection cover, getting one is smart. Engines cost a lot to fix or replace when they break down. This special insurance pays these huge bills for you. Without this cover, you must spend your own money on expensive engine repairs.

Will my car insurance policy cover engine failure?

Normal car insurance doesn't help when your engine breaks down or stops working. Basic insurance only covers car accidents, theft and damage to other people's property. To get money for engine problems, you need to buy engine protection as extra coverage with your main insurance plan.

Will I need to pay an extra premium for engine protection cover in car insurance?

Yes, you must pay additional money for engine protection because it's not included in basic car insurance. This extra cost depends on your car's price and which insurance company you choose. Think of it as paying more for better protection against costly engine troubles and breakdowns.

Is it worth paying for an engine protection cover in car insurance?

Buying engine protection is definitely worth your money because car engines are extremely expensive. When engines break, repairs can cost lakhs of rupees. This cover saves you from paying these massive amounts yourself. The small extra premium protects you from big financial problems when engine issues happen

What happens if water enters my car's engine?

Water inside your engine causes terrible damage because engines need air, not water. Water can't squeeze like air does, so it breaks important engine parts. The metal rods connecting different engine pieces bend and snap completely. This water damage usually means you need a brand-new engine.

What documents are required to have engine protection cover in a car policy?

To get engine protection cover, collect these papers first: your current car insurance documents, personal ID proofs like Aadhaar card or passport, address proof and your car's registration certificate. We need these documents to process your application and add engine protection to your existing car insurance policy.