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.
