June 25, 2024

Dollie Rowland

Holiday Blessings

What Is Engine Protection In Car Insurance

3 min read

Exploring in your car is thrilling, but it’s essential to protect it. Car insurance online is a wise choice for the uncertainties of travel. Engine protection coverage, an additional car insurance benefit, helps with engine repair expenses. When exploring what engine protection means in car insurance, it’s crucial to understand the different types of car insurance, as engine protection is often offered as an add-on with comprehensive coverage. Here are its features. *

What Is Covered By Engine Protection?

Engine protection cover, an optional feature in comprehensive car insurance, safeguards the insured car’s engine from harm or loss. It compensates for engine maintenance or replacement, even for issues like oil leakage or water damage, including components like the gearbox, pistons, and crankshaft. While it comes with an extra premium, it’s a valuable investment. Claims are subject to terms and conditions set forth under the motor insurance policy. *

Why Does A Car Need Engine Protection?

Engine repairs are expensive and challenging to cover out of pocket, given the high costs of labour and materials. Protection is essential since the engine is crucial for a vehicle’s operation.

Engine protection is not a standard feature in Indian car insurance online policies; it’s an add-on with comprehensive coverage. Remember that cars over five years old aren’t eligible for this cover. Claims are subject to terms and conditions set forth under the motor insurance policy. *

What Costs Are Included In The Motor Vehicle Insurance Engine Protection?

Numerous advantages are included with the engine protection add-on benefit. The following is a summary of the most notable cases:

  1. Engine Components: The gearbox, crankshaft, pistons, connecting rods, and other engine components are covered by the engine protection cover, which also covers the cost of repair or replacement. *
  1. Water Ingression: The add-on feature protects against damage from outside water getting inside the engine and interfering with its operation. *
  1. Lubricant Oil Leakage: Different issues that compromise the safe operation of your vehicle can arise from lubricant oil leakage from your engine. As a result, the protection cover can pay for the related repair expenses. *
  1. Damages From Hydrostatic Lock: This occurs when you attempt to start your vehicle with a wet engine.*

Apart from the previously mentioned advice, an engine-protected car insurance online policy may also pay for consumables like coolants, nuts, bolts, lubricant oil, etc., used in engine repairs.

What Exclusions Are Included In The Engine Protection Coverage Of My Car Insurance?

Engine protection cover won’t reimburse for damage caused by starting the car submerged or driving in waterlogged areas. It also doesn’t cover warranty-listed costs due to wear and tear. Discuss the terms with your insurer before using this coverage.

Who Should Choose Engine Protection Coverage For Their Car Insurance Policy?

Most engine problems occur when a car gets stuck in a wet area. If left unchecked for an extended period, it may result in a hydrostatic lock that harms the engine. Consequently, you must purchase an engine protection cover if you live in a flood-prone area. Additionally, it matters if you recently bought a pricey new car. The protection cover will lengthen the car’s lifespan and provide reliable financial support in the event of unanticipated significant damage. Make sure you do the process of Bajaj Allianz car insurance renewal on time to enjoy the benefit of this add-on. Claims are subject to terms and conditions set forth under the motor insurance policy. *

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*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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