Engine Protection Cover In Car Insurance

Engine Protection Cover in Car Insurance: Importance & Benefits

What Does The Car Insurance Add-On For Engine Protection Cover Mean?

Engine protection cover in automobile insurance offers protection against losses or damages to the engine of the covered vehicle resulting from an accident. It is purchased as an add-on benefit with the Comprehensive car insurance policy. *

The add-on pays for the engine or other sections of your car’s replacement or repair.

How Does It Function?

Here is an illustration of how the Engine Protection (EP) add-on in auto insurance functions to help you understand it: *

Consider the scenario when an intense downpour occurs while you are visiting your hometown for a vacation or an event and have left your home closed. Your neighbour informs you that rainwater has gotten inside your home and swamped your automobile. In this situation, water ingression is a given.      Thus, you will be responsible for paying for any repairs due to such ingress      out of pocket. However, you might have avoided paying out of pocket if you had purchased the Engine Protection Add-on for a slightly higher cost. Based on the increased coverage, the insurance provider will pay the expense based on the car insurance claim.

Does Auto Insurance Cover Engine Failure?

You can save a lot of money by having the insurance company pay for the engine repair when the additional policy covers the engine. ##

How Can I Purchase An Engine Protection Add-On?

Along with comprehensive car insurance, you can purchase an add-on for automobile engine protection, such as your own damage insurance. This is not included in the typical comprehensive policy and is offered as supplementary coverage. *

The steps to purchase Engine Protection Cover as a bonus online are as follows:

Step 1: Go to the website or mobile app of the auto insurance provider.

Step 2: Decide whether to purchase or renew comprehensive auto insurance.

Step 3: If you are asked to include car insurance add-ons like Engine Protection, choose to do so.

Step 4: Pay the premium amount and receive your policy by email immediately.

Features And Advantages Of The Car Engine Protection Cover:

The features and advantages of the Car Engine Protection Add-On are as follows:

• The cost of repairs for engine damage brought on by lubricating oil leaks is covered.

• Damage brought on by water getting into a car’s engine.

• Physical harm to engine parts like the gearbox, the pistons, the connecting rods, etc.

• Attempting to start the car after the water has entered the engine can damage a hydrostatic lock.

• Beneficial, especially during monsoons, flooding, and other natural disasters.

• Additionally, it is advantageous if you recently purchased a car or have an expensive vehicle, as the cost of an engine repair or part replacement can be high.

*     Standard T&C Apply

##     All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

Maria J. Danford

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