Under the hood protection: Engine and electronic circuit coverage in car insurance

Comprehensive coverage in car insurance is one of the most popular insurance products in the country. Policies from Zurich Kotak General Insurance offer rounded coverage and ensure that the car is well protected against most faced issues while driving a car. While doing that, they offer car insurance add-ons, which can further enhance the capabilities of the policy. For car owners wondering whether they should or should not subscribe to add-ons, here are two important ones.

Engine and electronic circuit coverage

When you opt for online car insurance, there are a host of add-ons from which you can choose. Two such crucial add-ons are engine protection and electronic circuit insurance. When you pop open the hood of your car, you will see the heart of the car or its engine. It is only sensible that you opt for additional protection for the most crucial part of the car.

It does not come as a surprise that any damage to the engine can cost you a fair bit. Opting for engine and electronic circuit coverage will make sure that the engine of your car receives much-needed protection. The add-on covers the following damages for the components under the hood.

• Water ingress-related damages

• Engine oil leak-related damages

• Damages to various engine components

• Undercarriage damages

Damages to the gearbox, hydrostatic lock, or pistons due to water ingress are also covered as a part of the plan. If the damage warrants replacement or repairs, the add-on will cover the expenses. The plan will also cover labour expenses as well as the cost of consumables.

Opting for engine coverage can be sensible in the following situations.

• If you reside in a place that is prone to water logging, floods or even cyclones.

• If you own an expensive car or a luxury car.

Exclusions

While engine protection add-on offers peace of mind when it comes to damages to the engine, it has a few exclusions. A claim filed for the following would most likely result in rejections.

• Damages caused due to driving under the influence of alcohol or other intoxicating substances.

• Driving the car without a valid driver’s license.

• Any sort of delay in filing a claim.

• Damages that are not a direct result of an accident.

• The vehicle is involved in illegal activities.

• Normal wear and tear of the engine parts.

While the add-on can slightly bump the insurance premium, the benefits on offer far outweigh the premium. Considering the higher costs involved with replacing and repairing engine components at the time of need, engine protection cover can save the day.

Following a few precautionary measures will ensure that you can keep your engine functional and fit for a longer period. These steps include checking engine oil levels regularly, keeping a tab on the engine temperature, fixing any sort of fuel or lubricant leakage, and sticking to the scheduled maintenance.

Conclusion

Engine and electronic circuit coverage are a sensible add-on for your car, to safeguard it from any major engine-related issues. And to protect your finances in such occurrences as well. Before buying a policy always research to ensure you get good car insurance from Zurich Kotak General Insurance.

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