Why Should You Choose Engine Protection Add On Cover For Your Bike?
Read this article to find out why you need an engine protection cover for your bike insurance.
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Owning a bike is not just about riding it. It involves taking care of it, servicing it as well as maintaining it. All this may be expensive. Thus, investing in bike insurance is the best way to keep yourself safe from the financial liabilities that come along with owning a bike. Insurance companies provide facilities to ensure extra coverage in the form of add on covers. One of the most important add on covers is the engine protection add on cover.
What Is Engine Protection Add On Cover For Bike Insurance?
The engine is the heart of the bike. It is the mechanism that enables a bike to function. Any damage caused to the bike's engine can be very troublesome. It could be collection of dust or malfunctioning of engine valves. Any damage caused to the engine can bring down the bike’s performance as well as its functioning to a great extent irrespective of the cause of the damage. Repairing this damage or replacing the engine is usually very expensive.
While comprehensive bike insurance provides coverage for the repairs of the bike’s parts in case of any accident, it may not provide the monetary assistance to replace auto parts. Thus, insurance companies offer the engine protection cover as an additional cover for bike insurance. This insurance cover provides coverage to repair or replace the engine and gearbox parts in case of water arising from ingression, leakage of lubricant oil or a hydrostatic lock of the insured bike.
What Is Covered In The Engine Protection Cover?
While the additional cover does not cover any damage incurred by regular wear and tear, it surely provides monetary assistance in case of any damage caused by situations such as-
- Dysfunction of engine valves
- Water logging in the engine due to floods
- Jamming of hydrostatic lock
- Any other engine damage caused due to events other than collision.
Why Do You Need An Engine Protection Cover For Your Bike Insurance?
When you own a bike, it is common to face engine damages that are caused due to leakage of the oil pipe, malfunction of the gearbox, water inflow into the engine during a flood or waterlogging, engine failure, or jamming of the hydrostatic lock. These situations usually cause a considerable amount of damage to the bike’s engine. This may result in reducing the bike’e performance, or even difficulty in starting the bike. Repairing these damages usually cost a bucket load and are a burden. If you want to avoid such a burden, the best way is to invest in an engine protection cover for your bike insurance policy. This ensures complete financial protection against any kind of engine damage which may not be covered in your comprehensive bike insurance policy.
The engine protection cover helps by providing financial assistance for the immediate repair of the engine in case of any damage. The engine is a complex part of the bike which requires skilled people to repair it. Thus, getting it repaired by professional mechanics can be expensive. Repairing your engine includes labor costs as well as material costs. Purchasing this cover can help you to repair your engine at your nearest network garage with the cashless facility. This will save you from a lot of stress as well as a financial crisis.
Take Away
Purchasing insurance for your bike is the best way to keep yourself financially safe. However, accidents are unpredictable and it is nearly impossible to predict what may damage your bike. Thus, it is very important to invest in a bike insurance policy that offers the most coverage at an affordable premium. Make sure to add the right add ons to keep your bike and yourself safe from any of these taxing situations.
Also Read:
What Is Zero Depreciation Bike Insurance Add-On Cover And Why You Should Buy It?
Bike insurance add-on covers explained
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
