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Car Insurance 1200 views April 6, 2021
It is advised to keep your car’s engine and its parts in a perfect state to ensure it always runs smoothly. However, engine repair work or replacement can cost up to around INR 1-1.5 lakh. Although a car insurance policy does not provide coverage for the same, you can get so with an engine protection add-on cover. Engine protection cover helps individuals protect themselves from any expenses incurred towards the repair of the engine and its parts.
If you are someone who wants to protect your engine and its parts and looking to know more about engine protection cover, this page is for you!. So, let’s discuss the engine protection add-on!
Table of Contents
The proper functioning of a car’s engine contributes highly to its longevity. The following type of individuals would find this add-on with their comprehensive car insurance plan interesting. Please check!
Let’s understand what is covered under the engine protection cover add-on. Have a look below!
Damage to Car’s Engine and its Parts
Engine protection cover provides the coverage for expenses incurred on the repair and replacement cost for the engine and its child parts such as pistons, connecting rods, crankshaft, cylinder head, etc.
Damages to Car’s Gearbox
A gearbox is one of the vital parts of the car’s architecture as it helps in reducing or increasing the speed. Any damage to it can cost you a hefty amount while repairing or replacing. But with the engine protection cover add-on, you will receive coverage against costs incurred on repair or replacement of the gearbox.
Water Ingression
The engine of your car can be damaged due to the intrusion of excessive outside water in the engine. With this add-on, you will be covered for repair or replacement of the engine parts due to water ingression in the engine.
Leakage of Lubricant Oil
Engine protection cover will cover all the damages and losses caused to the engine or its parts because of the leakage of lubricant oil.
Damage to Hydrostatic Lock
If you try to start the moist engine multiple times, it can lead to an engine failure that further damages the hydrostatic lock. But you don’t need to worry as your add-on will cover any such damage or loss.
Cost of Consumables
During engine repair, you would need several consumable parts such as nuts, bolts, lubricating oil, coolant, etc. If you choose the engine protection cover add-on, you don’t need to pay for any consumables.
Undercarriage Damage
Lubricant leakage caused by some external impact can also lead to undercarriage damage to the engine and/or gearbox and/or internal transmission parts of the car. Engine protection cover also provides coverage for the same.
Labour Costs
Your engine protection cover add-on with the car insurance policy will also provide coverage for the labor cost incurred during the repair or replacement work of your damaged engine and/or its parts.
Note: Car insurers also put a limit on the number of claims (usually up to 2 claims in a policy year) under the engine protection cover add-on.
Engine protection cover add-on is optional and you will need to pay an additional premium amount apart from the basic premium of your car insurance policy. The premium amount changes from one insurer to another.
Usually, the cost of protecting your engine & its parts with this add-on is around 2% of the present market value of your car. Suppose the present value of your car is INR 4 lakh, the premium for this add-on would be around INR 8,000.
You can check the exclusions under the engine protection cover add-on mentioned below.