Engine Protect add-on
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Note: The above data is till 1st April, 2025
What is Engine Protect add-on cover?
Engine protect add-on cover is an optional benefit available with a car insurance policy at an additional premium. It provides coverage for damage to the engine and its internal parts caused specifically by water ingression or leakage of lubricating oil. Such incidents can lead to serious mechanical failure and high repair costs. Since standard motor insurance policies generally do not cover these types of engine damage, this add-on helps bridge that gap. It offers financial protection against unforeseen engine-related expenses, particularly in situations like waterlogging or flooding, where the risk of engine damage is significantly higher.
How does engine protection cover work in car insurance?
Engine protection cover applies when the engine suffers damage due to causes included under the add-on, such as water ingress or lubricating oil leakage. When such an incident occurs, the policyholder must inform Zurich Kotak immediately and avoid restarting the vehicle, as this can increase the extent of damage.
Once the claim is registered, a surveyor will be appointed to inspect the vehicle and assess the cause and extent of the damage. The surveyor’s report helps confirm whether the loss is covered under the policy terms. If the claim is approved, the cost of repairing or replacing the affected internal engine parts will be settled as per the policy conditions.
The final settlement depends on factors such as policy limits, exclusions, and applicable deductibles. Reviewing the policy terms in advance helps ensure clarity about what is covered and the extent of financial support available.
Benefits of Engine Protect in Car Insurance
Engine protect add-on cover strengthens your car insurance by offering focused financial protection against serious engine-related risks that are otherwise not covered under a standard policy.
Why is it essential to purchase an Engine Protect add-on cover?
Engine repairs can be financially draining and often happen when you least expect them. Since standard insurance plans may not fully cover certain engine-related risks, this add-on provides important additional protection.
Limited basic coverage
Third-party insurance is compulsory in India, but it only covers damage caused to another person or their property. It does not pay for repairs to your own car.
Coverage gaps in base plans
Even comprehensive policies may not include engine damage caused by water entry or oil leakage, which can leave you exposed to major expenses.
High engine repair costs
The engine is one of the most expensive parts of a vehicle. Internal damage can lead to costly repairs that affect your savings.
Increased risk during monsoon
Driving through flooded or waterlogged roads significantly raises the risk of hydrostatic lock and internal engine failure.
Protection from large expenses
This add-on reduces the financial burden by covering eligible repair costs that would otherwise be paid entirely by you.
Ideal for valuable vehicles
It is particularly beneficial for new, premium, or frequently used cars that require strong financial protection.
Stronger financial safety net
Adding this cover enhances your overall insurance protection and offers better long-term peace of mind.
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What is covered & not covered by the engine protection cover in car insurance?
It is important to clearly understand what is covered and what is not covered under the engine protect add-on, so you are aware of the exact scope of protection provided.
Internal engine parts
Covers repair or replacement of damaged internal components such as pistons, connecting rods, crankshaft, and cylinder parts affected due to water ingress or oil leakage.
Gearbox and transmission
Includes damage to gearbox, transmission, or differential assembly caused by lubricant leakage or water entry, as per policy terms.
Water ingress damage
Applies if water enters the engine during floods or heavy rainfall and leads to internal damage or hydrostatic lock.
Lubricating oil leakage
Covers internal damage resulting from engine or gearbox oil leakage that directly affects performance.
Replacement of oils and consumables
Pays for necessary engine oil, gearbox oil, filters, and related consumables used during approved repairs, excluding fuel costs.
Hydrostatic lock support
Covers labour and parts required to repair engine damage caused by water entering the combustion chamber.
High-end components
Protects advanced engine systems and sensitive parts that are expensive to repair.
Warranty or recall cases
Damage covered under the manufacturer's warranty, recall campaigns, or routine servicing is excluded.
Delayed intimation
Claims may be rejected if there is a delay in informing the insurer or retrieving the vehicle from a waterlogged area.
Wear and tear
Damage due to regular ageing, depreciation, or normal usage is not covered.
Poor maintenance or negligence
Claims arising from lack of maintenance or improper handling are not payable.
Fuel or wrong lubricant damage
Damage caused by contaminated fuel or incorrect fluid usage is excluded.
Deductible clause
Every claim is subject to the deductible amount mentioned in the policy schedule.
Steps to buy car insurance engine protection cover online from Zurich Kotak General Insurance
You can easily purchase the engine protect add-on cover online by following a few simple steps through the official website.
Once your details and documents are verified, a copy of your car insurance policy with the Engine Protect add-on will be sent to your registered email address for your records.
Visit the Zurich Kotak car insurance page and select the option to get a car insurance quote.
Enter your vehicle details, including registration number, make, model, and other required information.
Provide your contact details, choose the engine protect add-on, and complete the payment securely online.
How to get an online quote for car insurance
See how simple it is to get a car insurance quote with us
Visit Zurich Kotak General Insurance website
Log in to your Zurich Kotak General Insurance profile using the OTP sent to your mobile number
Fill in your details such as car registration number, mobile number and email id (optional).
Click on the "Get A Quick Quote" button on the Zurich Kotak Car Insurance Page and review coverage
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Click on the "Get a Car Insurance Quote" button on the Zurich Kotak Car Insurance Page
Fill in the required details such as registration number, model, make, etc.
Fill in you personal details and make the payment online.
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Things to consider before buying the engine protect add-on
Before choosing the Engine Protect add-on, it is important to review a few practical factors to ensure the cover truly suits your needs and driving conditions.
Vehicle age: New and high-value cars often benefit more from this add-on, as engine repair costs can be significantly higher.
Usage pattern: If you drive daily or cover long distances regularly, the chances of exposure to risk may increase.
Geographical location: Vehicles used in flood-prone areas or cities with heavy rainfall face a higher risk of water-related engine damage.
Deductible amount: Check the deductible applicable to engine claims, as you will need to bear that portion during settlement.
Policy exclusions: Carefully review what is not covered to avoid confusion or claim rejection later.
Maintenance history: Ensure your vehicle is serviced on time, as poor maintenance may affect claim approval.
Additional premium cost: Compare the extra premium with potential engine repair expenses to assess overall value.
How to renew engine protection cover online?
Renewing your engine protect add-on cover online is simple and can be completed in just a few steps through the official website.
Access policy details: Visit the Zurich Kotak renewal page and fetch your policy using number or mobile details.
Review coverage & add-ons: Check policy expiry, coverage benefits, and add the engine protect option if missing.
Confirm vehicle information: Verify car details, update any changes, and ensure all information is accurate.
Complete renewal: Pay the premium online and receive the renewed policy instantly on your registered email.
How to claim for engine protection cover in car insurance?
Filing a claim has never been this easy – we made sure of it
Call us on 1800-2120 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.
Call us on 1800-2120 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
List of documents required for filing a car insurance claim
Get familiar with the documents needed for speedy claim process
Documents required for car insurance claim
Registration Certificate (RC) Copy
Policy Copy
Policy holder's valid ID proof
Drivers Driving license
FIR Copy (In case of theft and TP claim)
Duly filled Claim form
Any further requirements will be conveyed basis inspection
How to download your policy copy
Here is your step-by-step guide to access your policy copy
Losing your car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website.
Enter your policy number
Enter your registered mobile number Or your registered email Id
Click on Get OTP
Type the OTP and click on download car insurance policy document
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FAQs Engine Protect add-on cover
Engine Protect add-on cover is an additional insurance coverage that you can purchase to protect your vehicle's engine from oil leakages & water ingression and consequential damages.
Engine Protect add-on cover typically covers the repair or replacement costs of engine parts, differential parts and gear box parts which becomes necessary due to consequential damage arising out of water ingression/leakage of lubricating oil which directly causes loss or damage to the engine.
The specific exclusions can vary depending on the policy terms, but common exclusions from Engine Protect add-on cover include damages caused by accidents, negligence, wear and tear, improper maintenance, and pre-existing conditions. It's important to carefully review the policy documents to understand the specific exclusions.
Engine Protect add-on cover is typically available for various types of vehicles, including cars, motorcycles, and commercial vehicles. However, the availability and terms may vary depending on the type of vehicle you own. It's advisable to check with your insurer regarding the availability and eligibility for your specific vehicle.
To purchase Engine Protect add-on cover, connect with Zurich Kotak General Insurance. We will provide you with the necessary information, policy details, and pricing. You can choose to add it to your existing vehicle insurance policy or include it when purchasing a new policy.
Whether Engine Protect add-on cover is necessary depends on your individual circumstances, the age of your vehicle, and your risk tolerance. If you own a new or relatively new vehicle and want to safeguard yourself against costly engine repairs, Engine Protect add-on cover can provide valuable protection. However, if you own an older vehicle or have alternative means of covering potential repair costs, you may choose not to opt for this coverage.
Deductibles, or the amount you need to pay out of pocket before the insurance coverage kicks in, can vary depending on the policy terms. Some policies may have a deductible while others may not. It's important to review the policy documents to understand the deductible requirements, if any, associated with Engine Protect add-on cover.
The number of claims you can make under Engine Protect add-on cover is usually limited. Typically, a maximum limit on the number of claims or a maximum claim amount is set within a policy period.
It covers engine damage caused by water ingress, hydrostatic lock, and lubricating oil leakage, including repair or replacement of internal engine parts.
The engine protect add on is highly recommended for vehicles driven in flood-prone or high rainfall areas, as engine repairs are expensive and not covered under standard policies.
Engine protection in insurance is available only with comprehensive car insurance policies, not with standalone third-party coverage.
Normal wear and tear, mechanical breakdown unrelated to covered causes, and damage due to negligence are excluded.
Engine protect add-on cover provides financial protection against engine damage caused by waterlogging, which is common during heavy rains.
You need your policy copy, driving licence, RC, claim form, repair estimate, and any supporting incident details.
Yes, claims may be subject to standard deductibles and specific policy conditions.
Claims can be made as per policy terms, subject to coverage limits and exclusions.
Yes, you can add it during renewal if your vehicle meets the eligibility criteria.
Inform Zurich Kotak immediately, avoid starting the engine, tow the vehicle to a network garage, and follow the claim registration process.
