Engine Protection In Car Insurance: A Comprehensive Guide

Exploring in a car is thrilling, creating memories and satisfying wanderlust. To safeguard your vehicle during travels, purchasing car insurance is wise. Engine protection coverage is an added benefit, providing financial support for engine repairs. This coverage is essential for managing expenses related to damaged engine parts. To explore detailed information on engine protection within car insurance, check out the Bajaj Allianz car insurance policy details featured in our comprehensive guide blog. *

What Is Covered By The Engine Protection?

Engine protection cover is an optional feature in comprehensive car insurance. It safeguards the insured car’s engine from harm or loss, providing compensation for maintenance or replacement. Though it incurs an extra premium, the investment is worthwhile, offering financial support for damage due to factors like oil leakage or water intrusion. This add-on cover protects engine components such as the gearbox, hydrastic lock, pistons, and crankshaft. Claims are subject to terms and conditions set forth under the motor insurance policy. *

Why Does A Car Need Engine Protection?

Repairing a car’s engine can incur high costs, making it challenging to cover unforeseen circumstances. Engine protection is not included in standard Indian car insurance policies but is available as an add-on with comprehensive coverage. This crucial protection does not apply to cars older than five years. 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:

  • Engine Components: The gearbox, crankshaft, pistons, connecting rods, and other engine components may becovered by the engine protection cover, which may also cover the cost of repair or replacement.
  • Water Ingression:The add-on feature may protect against damage from outside water getting inside the engine and interfering with its operation.
  • 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.
  • Damages From Hydrostatic Lock: This occurs when you attempt to start your vehicle with a wet
  • Cost Of Consumables: Some engine protection plans also cover consumables like filters, fluids, belts, and spark plugs. This ensures that routine maintenance expenses are included in the coverage, addressing wear and tear issues for overall vehicle well-being.

Apart from the previously mentioned advice, an engine-protected car insurance 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?

If you attempt to start the car while it is submerged or drive it while the surrounding area is experiencing water logging, the engine protection cover will not reimburse you for the additional pressure. Furthermore, it does not pay for the costs listed in the warranty the car manufacturer provides, which is also brought on by normal wear and tear. However, before utilising the add-on coverage, you must speak with your insurer about the terms and conditions. *

You should think about how important your car’s engine is and how well it works, and get an engine protection cover as soon as you buy the vehicle. Ensure you are well aware of the significant processes of insurance such as how to renew car insurance. You will undoubtedly have to pay a higher price, but the investment is well worth it!

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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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