All About Engine Protection Cover Add-On

Engine protection cover can offer financial security against scenarios like water ingression, lubricating oil leakage, or even engine failure due to attempts to start a wet engine. Know more here.

When you are willing to buy a vehicle, understanding the nuances of insurance coverage can mean the difference between smooth cruising and a bumpy ride.

Picture this: You’re driving down a rain-soaked street, driving through puddles, when suddenly, disaster strikes. Your engine sputters, grinds to a halt, and you find yourself stranded with a damaged engine. When you asked for engine repair, the cost went out of budget. Since you cannot leave the car in that condition, you have no option but to spend money for repairs. Ultimately, it led to a financial crunch over time. 

This is where engine protection cover can step in, offering financial security against scenarios like water ingression, lubricating oil leakage, or even engine failure due to attempts to start a wet engine.

Now, you might wonder, why it is imperative to know about engine protection cover in detail? Simply put, it’s about safeguarding your investment. While standalone own damage or comprehensive insurance plans provide a solid foundation, they might not cover every possible hazard. This is where add-ons like engine protection cover come into play, bridging the gaps and ensuring comprehensive protection for your vehicle.

In terms of motor insurance, add-ons act as valuable supplements, providing an extra layer of security tailored to your specific needs. They offer peace of mind, knowing you’re shielded from a diverse range of potential risks. 

Let’s find out more about engine protection cover in this complete guide.

What is Engine Protect Cover?

Engine Protect Cover can be considered a shield against potential financial turmoil. Engine Protect Cover, as the name suggests, offers a safety net against the costs of engine repairs. What sets it apart is its availability as an add-on to both comprehensive and standalone own-damage insurance plans. 

When purchasing or renewing your motor insurance policy, opting for engine protect cover is akin to investing in peace of mind. This is because engine damage isn’t just a minor inconvenience but a possible financial burden that can weigh heavily on your shoulders. With this rider in place, you can navigate the roads with confidence, knowing that you’re shielded from the potentially hefty costs of engine repairs.

Benefits of Purchasing Engine Protect Add-on Cover

  • Financial Support

Whenever your car’s engine suddenly gives out, it can leave you stranded with a hefty car repair bill looming over your head. Without Engine Protect add-on cover, you’d be left to foot the bill yourself. However, with this invaluable add-on, the financial burden of repairing engine damages or replacing vital engine parts is lifted off your shoulders, thanks to compensation provided by the insurance company.

  • Longer Car Life 

The heart of a car is its engine, and for good reason. To ensure your vehicle’s longevity and optimal performance, maintaining a healthy engine is paramount. Neglecting engine repairs due to financial constraints can spell disaster, potentially rendering your car inoperable. However, with Engine Protect cover, the costs of repairing a damaged engine are covered, safeguarding the longevity of your vehicle.

  • Coverage for the Costliest Car Part

The engine isn’t just any component but often the costliest part of a car. Replacing or repairing it can quickly drain your finances. Fortunately, with this add-on, you can bid farewell to worries about exorbitant repair or replacement costs. Your insurance provider steps in to shoulder the financial burden, ensuring that your car’s engine remains in prime condition without burning a hole in your pocket.

Also Read: All About NCB Protector in Car Insurance

What is Covered Under Engine Protect Add-On Cover?

With this add-on, you’re shielded against such scenarios. Here are common coverage/benefits:

  • Leakage of Lubricating Oils

Your engine relies on lubricating oils to function smoothly. However, leaks can occur, leading to potential damage. Engine Protect Cover can cover damages incurred by your engine and its components due to such leaks, offering financial reassurance when faced with unexpected repair costs.

  • Damage to Differential Parts or Gearbox

The intricate components of your car’s differential parts or gearbox are susceptible to wear and tear. Engine Protect add-on cover can extend its protective mantle to cover physical damages sustained by these crucial components.

  • Engine Failure Due to Wet Start Attempts

Sometimes, attempting to start a wet engine can lead to catastrophic failure in the haste to get moving. Engine Protect Cover can provide a safety net in such scenarios, offering coverage for engine failure resulting from attempting to start a wet engine, sparing you from the financial repercussions of such mishaps.

What is Not Covered Under Engine Protect Add-On Cover?

While this add-on provides invaluable protection against many risks, it’s essential to know what falls outside its protective umbrella. Some of its common exclusions include:

  • Age Limitation

While this add-on offers robust protection, it typically applies to cars that are less than five years old. This age restriction is common among insurance providers, ensuring newer vehicles benefit from this additional coverage.

  • Claim Limitations

Policyholders need to be mindful of the limitations on claims under this add-on. Typically, insurance providers impose a cap, restricting policyholders from making more than two claims within a single policy year. Understanding this restriction helps manage expectations and plan accordingly.

  • Exclusion of Certain Damages

Not all engine-related damages are covered under Engine Protect add-on cover. For instance, damages resulting from events following an accident, such as oil leakage, may not be eligible for compensation. This exclusion underscores the importance of reading the fine print and understanding the specific terms of coverage.

  • Deliberate Acts

In scenarios where a vehicle is started while submerged in water, triggering damage to the engine, compensation under this add-on may be denied. Insurance providers typically deem such acts deliberate and may not offer compensation for resulting damages. This emphasizes the importance of caution and prudence to avoid scenarios that jeopardize coverage.

Why is it Important to Include an Engine Protect Add-On Cover?

The Indian Motor Tariff Act mandates basic insurance coverage for all vehicles traversing public roads. Relying solely on a standard motor plan may leave you vulnerable to significant financial risks. This is where add-on covers step in, offering tailored protection to safeguard your investment and ensure peace of mind on the road.

While it’s true that opting for add-on covers entails an increase in premium payments, the long-term benefits far outweigh the initial cost. 

Standard car insurance plans often fall short when it comes to covering vital components like the engine. Investing in Engine Protect add-on cover fills this gap, ensuring your vehicle’s engine is adequately protected against unforeseen circumstances.

This add-on cover is particularly indispensable for individuals residing in flood-prone areas or areas prone to waterlogging during heavy rains. Additionally, owners of premium cars with costly engine parts stand to benefit greatly from this add-on, as it provides an added layer of security for their valuable investment.

How to Purchase An Engine Protection Add-On?

Whether you prefer online transactions or the personal touch of offline interactions, acquiring this essential add-on is a simple process that can be tailored to your preferences.

Steps to Buy Engine Protect Add-on Online

  • Visit the website of your preferred insurer. Here, you’ll find a range of insurance plans from various providers, allowing you to compare options effortlessly.
  • Choose between a comprehensive or third-party insurance policy, depending on your specific needs and preferences.
  • Navigate to the add-ons section and select ‘Engine Protection Cover’. 
  • Take a moment to review the details of your policy, including the premium associated with the Engine Protection add-on, before proceeding to make the payment securely online.

Steps to Buy Engine Protect Add-on Offline

  • Reach out to an insurance agent or visit the nearest branch of your insurer.
  • Communicate your need for additional engine protection to the agent or executive, who will guide you through the available options.
  • Fill out the necessary application form, ensuring the Engine Protection Add-On is selected among your chosen coverages.
  • Provide any required documentation and complete the payment process as instructed by the agent or executive.

What are the Steps to File an Engine Protection Add-On Claim on Car Insurance?

1. Send Notification Promptly

The key to expediting the claim process is to inform your insurer promptly upon discovering engine damage. Timely notification enhances the chances of a smooth and swift resolution.

2. Provide Comprehensive Information

Furnish your insurer with all relevant details pertaining to the damage, including the cause, extent of damage, and any other pertinent information they may require. Clear communication facilitates a thorough assessment of the claim.

3. Submit Required Documents

Compile and submit the necessary paperwork, which typically includes a claim form, a insurance policy copy, driver’s license, car registration certificate, and a detailed estimate of repair costs. In certain instances, the insurer may request additional documentation, such as photographs or videos of the damaged engine, or the vehicle’s maintenance history. 

4. Deal with the Surveys

The insurer will appoint a surveyor to check the damage and validate the claim. Cooperating fully with the surveyor expedites the assessment process.

5. Accept the Settlement

Upon claim approval, the insurer will either directly settle the payment with the network garage or reimburse you if repairs are conducted at a non-network garage.


Is Engine Protect add-on available with a third-party car insurance plan?

Engine Protect Cover is exclusively available with comprehensive and standalone own-damage car insurance plans. Third-party car insurance plans do not offer this add-on. It’s specifically designed to provide comprehensive coverage for your vehicle’s engine, which is not typically included in basic third-party insurance coverage. 

Therefore, if you seek engine protection, you’ll need to opt for a comprehensive or standalone own-damage insurance plan.

When can I include the Engine Protect Cover?

You can opt for this add-on either during the initial purchase of your insurance policy or at the time of policy renewal. While most insurance companies offer this add-on during policy purchase or renewal, not all providers allow the addition of add-on covers in between the policy period. Therefore, it’s advisable to check with your insurer regarding their specific policies and procedures for adding Engine Protect Cover.

Is oil leakage damage covered under Engine Protect?

Engine damage resulting from lubricating oil leakage is covered under the Engine Protect add-on cover. This includes damages incurred by the engine and its components due to oil leakage. The comprehensive coverage provided by Engine Protect ensures that you’re protected against a wide range of potential hazards.

Does a comprehensive car insurance plan cover damages incurred by my car’s engine?

Typically, a standard comprehensive car insurance plan does not offer coverage for damages sustained by your car’s engine as part of its default coverage. Engine damages often require specialized protection beyond the standard comprehensive plan. 

Can I add other add-ons with the Engine Protect Cover to my car insurance plan?

Yes, you can add multiple add-ons to your standard comprehensive or standalone own-damage car insurance policy along with the Engine Protect Cover. Insurance companies typically offer a range of add-ons, allowing you to customize your coverage according to your requirements. 

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