Everything About Engine Protection Cover In Car Insurance

Engine protection cover in car insurance is purchased as an add-on to the Comprehensive car insurance policy which offers compensation for damages or injuries to the covered vehicle's engine. The add-on reimburses you for the cost of replacing or repairing your vehicle's engine or components. Lubricant oil leaks, water infiltration, damage to components like the gearbox, pistons, connecting rods, and so on, as well as hydrostatic lock, which occurs when you start a wet engine can cause this.

Everything About Engine Protection Cover In Car Insurance

Engine parts such as pistons, connecting rods, gearbox parts, and so on cost about Rs.1,20,000 to repair or replace. A normal comprehensive scheme does not protect these sections, so you will have to pay for them out of pocket.

What Is The Best Way To Purchase Engine Security Add-On?

Along with comprehensive auto insurance, you can purchase a car engine safety add-on. This is an optional coverage that is not included in a traditional comprehensive programme. The steps for purchasing Engine Protect Cover as an added benefit through the online method are:

1. Go to the website or mobile app of the automobile or car insurance provider.
2. Choose whether to purchase or renew comprehensive auto insurance.
3. If you're asked to provide add-ons like Engine Security, do so.
4. Pay the premium and your policy will be sent to your email address immediately.

Car Engine Safety Cover Features and Benefits

The Engine Protection Cover is a special function and value that is added to the standard comprehensive cover. For costs incurred in the repair or replacement of damaged engine parts, the insurance provider will reimburse up to the sum stated in the policy. The features and benefits of Car Engine Protection Add-on are listed below:

• Damage caused by lubricating oil leakage within the engine is shielded.
• Water entering the car's engine causes damage.
• Physical damage to engine components such as the gearbox, pistons, connecting rods, and so on.
• Damages caused by a hydrostatic lock, which occurs when attempting to start the car after water has entered the engine.
• Beneficial, especially during monsoons, flooding, natural disasters, and other natural calamities.
• It is also advantageous if you have recently purchased a new car or own a high-priced vehicle, as the cost of engine repair or component replacement may be substantial.]

You may also like to read:- What is Car Insurance Engine Protection Add-on?

There are several exceptions:

• Damages that occur as a result of normal wear and tear.
• Failure to notify the insurance provider.
• If the driver of the insured vehicle is found to be under the influence of alcohol or other intoxicating drugs.
• If the driver's driver's licence was found to be invalid or he or she did not have one.
• If the damage occurred as a result of illegal racing.
• Any claims that are covered by another insurer's insurance policy or a warranty that requires a recall campaign.
• Cost of lubricants in the event of engine damage due to a leak.
• Repairs made without telling the insurance provider are not eligible for reimbursement.

Also Read

Guide to Check The Engine Oil Level In Your Car

Conclusion

Check the oil level in your car's engine regularly to avoid damaging the engine's internal components. Do not neglect to service your car regularly and replace parts such as air filters as required. This will keep your car's engine in good working order at all times. Do not overwork the engine by accelerating faster or overheating it; this can cause irreversible damage to the engine components, shortening its life.

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.