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Created on:

19 Dec 2024

Last Updated on:

19 Dec 2024

Engine Protect Cover: Safeguard your car’s engine with the right insurance. Understand the benefits, costs, & why engine protect is essential for your car's safety.

Engine protect cover in car insurance

Your car’s engine is its powerhouse—silently working hard so you can enjoy smooth rides. But when water damage, oil leaks, or sudden breakdowns strike, the repair bills can quickly spiral out of control. Enter engine protect cover, a smart add-on that ensures your wallet doesn’t take a hit when your car’s most critical component needs attention. Here’s everything you need to know to keep your engine—and your peace of mind—protected.

What is an engine protect cover?

An engine protect cover is an add-on or rider to your standard car insurance policy, offering coverage for engine-related damages. Typically, a comprehensive policy does not cover repairs or replacement of engine parts caused by non-collision incidents like waterlogging, oil leakage, or mechanical failures.

For instance, if your car’s engine is damaged due to water seepage during monsoons or because of a lubricating oil leak, your regular policy won’t cover these expenses. With an engine protect cover, such repair costs are taken care of, saving you from hefty out-of-pocket expenses.

How does engine protect cover work?

This add-on specifically protects the following components of your car's engine:

1. Engine block: Covers the cost of repairs or replacement due to accidental damage or unforeseen events.

2. Gearbox: Includes coverage for gearbox components that might be damaged due to mechanical breakdown or accidents.

3. Hydrostatic lock: A common issue in monsoon-prone areas, hydrostatic lock occurs when water enters the engine, causing it to stall.

4. Lubrication and coolant leaks: Damage caused by a leakage of lubricants or coolant is covered.

When an engine failure occurs, you can file a claim under this add-on. The insurer reimburses or directly pays for the costs associated with the repair or replacement of engine parts.

What are the benefits of engine protect cover

Financial safeguard against expensive repairs

Repairing or replacing engine parts can be prohibitively expensive. This cover shields you from these high costs, ensuring peace of mind.

Protection against natural disasters

Cars in areas prone to heavy rains or floods are more likely to suffer from waterlogging issues, which can damage the engine. Engine protect cover is particularly beneficial in such regions.

Peace of mind for new car owners

If you own a new car, engine repair costs could be a significant financial burden. This add-on ensures comprehensive protection for your valuable asset.

When should you consider engine protect cover?

Engine protect cover isn’t for everyone. Here’s when it makes the most sense:

  1. New car owners: If your car is brand new, this add-on is highly recommended to protect your investment.

  2. Frequent travellers: If you frequently drive through waterlogged roads, hilly terrains, or harsh weather conditions, engine protect cover is invaluable.

  3. Monsoon-prone areas: For those residing in regions prone to heavy rainfall and flooding, this cover safeguards against water-induced engine damage.

What is not covered under engine protect cover?

Like all insurance products, engine protect cover has its limitations. It’s essential to understand the exclusions to avoid surprises:

  1. Wear and tear: Damage due to regular wear and tear or aging of the vehicle is not covered.

  2. Negligence: If the damage occurs due to negligence, such as ignoring low oil levels, the claim may be rejected.

  3. Pre-existing damage: Damages to the engine that occurred before purchasing the policy or add-on are excluded.

  4. Racing or illegal use: Damage caused during illegal activities, such as racing or speed trials, isn’t covered.

  5. Non-standard modifications: If the engine has been modified with non-standard parts, the insurer may deny the claim.

How much does engine protect cover cost?

The premium for engine protect cover is typically 2–5% of the car’s insured declared value (IDV). While this may slightly increase your overall insurance cost, the benefits far outweigh the expense, especially in high-risk scenarios. Premiums may vary based on:

● The make and model of your car.

● The car's age.

● Geographic factors like flood-prone areas.

How to buy an engine protect cover?

Purchasing engine protect cover is straightforward. Most insurers offer this add-on as an option while buying or renewing your car insurance policy. Here are a few tips:

  1. Read the fine print: Understand the inclusions, exclusions, and claim process to avoid disputes later.

  2. Opt for comprehensive coverage: Pair engine protect cover with other relevant add-ons like roadside assistance or zero depreciation cover for a well-rounded policy.

Claim process for engine protect cover

Filing a claim under engine protect cover is similar to filing a regular car insurance claim. Follow these steps:

  1. Inform your insurer: Notify your insurer about the engine damage immediately.

  2. Inspection: The insurer may arrange for a surveyor to inspect the damages.

  3. Submit documents: Provide necessary documents, including the claim form, repair bills, and photographs of the damage.

  4. Approval and reimbursement: Upon approval, the insurer will either reimburse you or directly settle the bill with the repair centre.

Conclusion

An engine protect cover is a valuable addition to your car insurance policy, especially for new vehicles. It bridges a critical gap left by standard comprehensive policies and provides financial security against costly repairs. While it does increase the premium slightly, the peace of mind it offers—especially in high-risk scenarios like waterlogging or mechanical failures—makes it a worthwhile investment.


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Team Zurich Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Zurich 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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