Here’s why your auto insurance policy should include engine damage protection

An all-risk insurance policy covers you for exterior damage and any damage to the interior of your car. However, getting additional engine protection coverage will also protect against damage to your car’s engine.

Your car’s engine is vulnerable to damage, especially during the rain. As rainwater floods the streets, issues like water infiltration can cause major damage to your car’s engine. Therefore, it is necessary to protect your car engine from such damage.

Here’s everything you need to know about the Engine Protection extension and why you need it.

What is the engine protection cover?

Engine protection coverage is an add-on benefit to your comprehensive auto insurance policy. It can be purchased together with a comprehensive auto insurance policy at an additional premium cost. It covers the engine of the vehicle against any damage or loss of parts or their complete replacement. Thus, an engine cover will provide financial assistance in the event of an event that damages your car’s engine.

Why is the motor protection cover necessary?

Your car engine is extremely expensive and leads to high repair costs. It can also incur significant material and labor costs that can burn a hole in your pocket. The risk to your car’s engine increases during monsoon as the roads become dangerous to drive and the risk of damage is also high.

Also, car insurance companies in India do not offer engine protection as part of their insurance policy. Therefore, engine protection coverage is required with a comprehensive auto insurance policy.

Here is what is covered by Engine Protection Add on.

Engine damaged: The cost of repairing or replacing the car’s engine or any of its parts, such as the crankshaft, connecting rods, pistons, etc., is covered.

Gearbox damage: The cost of repairing or replacing the car’s gearbox is covered.

Water seepage: Any loss or damage caused by outside water entering the engine is covered. When driving through flooded streets, water can enter your engine through the air filter and cause the engine to stall.

Leakage of lubricating oil: Repair costs resulting from an engine lubricating oil leak are covered.

Damage to hydrostatic lock: Any loss or damage to the car’s hydrostatic lock while attempting to start the car while the engine is wet is covered.

Damage to the car chassis: Any damage to the car’s chassis is covered.

Cost of consumables: All expenses incurred on consumables used in the car during the repair are covered.

Labor cost: All labor costs incurred during repair or replacement work are covered.

(Edited by : Sudarsanan Mani)


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Justin D. O'Neill