Navigating Blown Engine Insurance Claims

Can you file an insurance claim for a blown engine?

Motor insurance is categorised under two types in India: third-party insurance and comprehensive car insurance. While the former is a mandatory basic cover, the latter is more wholesome and optional. An important point to remember here is that neither of the two types of insurance offers coverage for your vehicle's engine. So how to get an insurance claim on blown engines? Read on to know the simple solution.

Insurance coverage for a car’s engine

As stated, the regular insurance plans do not include an engine protection cover. Whether the crankshaft or gasket blows up, you can't claim unless you have an add-on cover. The engine protection add-on cover allows you to make a blown head gasket insurance claim, along with various other claims related to the repair of the engine. This is an essential cover as the engine is one of the main components of your vehicle.

How does Engine Protect cover work?

To ensure your engine is protected, you need to opt for the Engine Protect cover when you buy or renew your comprehensive motor insurance plan. The rider is not available with third-party car insurance plans. You have to pay an extra premium for the cover, but every penny you spend will be worth it, as the insurer will cover damages to the vehicle’s engine under this add-on.

Benefits of an Engine Protect add-on cover

Some of the benefits of an Engine Protect add-on cover is highlighted below:

Cost-effective

You may have to pay an amount of around INR 2000 for this cover, but you can get coverage with lakhs, which makes the deal very cost-effective.

Easily available

The rider is very easy to purchase and you can do so online with the click of a few buttons.

Peace of mind

With the engine protection rider in place, you get a lot of mental peace knowing that the most important component of your car is safe and protected at all times.

The process to file an insurance claim on blown engines

You can conveniently file a blown head gasket insurance claim online. All you have to do is visit your insurer’s website, fill up the claim form and submit the required documents. It is handy to have evidence with you when filing a claim. If there has been an accident, click photographs and speak with eyewitnesses. If the engine is damaged due to a flood or a fire incident, collect all the evidence on the spot and hand them over to the insurer. Also, remember to call the insurance company as soon as you notice the damage and inform them about it.

Once you fill up the claim form and submit the documents, along with your evidence, the insurer will scrutinise your claim. If everything is found to be in place, your claim amount will be disbursed without any delay.

The final word

Modern-day motor insurance has become very streamlined and convenient. The add-on features such as the engine protection cover make the policies all the more beneficial for vehicle owners. Make use of these advantages and get the most wholesome car insurance coverage from Zurich Kotak General Insurance for your precious vehicle.

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Team Zurich Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.

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