News details

• 05 Feb 2025

Engine Protection Cover : Add-on cover of Motor Insurance

Your car's engine gets damaged from water flooding or oil leakage? Engine protection cover has you covered. You can add this coverage to your detailed car insurance policy with an extra premium.

What is Engine Protection Cover?
This specialized cover protects your car's engine and its vital components financially. It handles damage from two big problems: water getting into the engine and lubricating oil leakage.
The protection goes beyond the engine's simple parts and covers several significant components:

Gearbox and differential parts

Pistons and connecting rods

Crankshaft and cylinder head

Engine bearings and oil pump

This cover becomes valuable because your regular detailed car insurance doesn't include engine-related damages. Without it, you might face expensive repairs. Adding this protection is simple. You can get it with a new policy or during your car insurance renewal. Keep in mind that insurance providers usually offer this cover only to cars up to five or seven years old. Engine protection cover works like a safety net for costly engine repairs that your regular insurance policy misses. You won't stress about repair bills if water floods your engine or oil starts leaking - your insurance company takes care of these expenses.

Key Benefits of Engine Protection Cover
Want to protect your car's most valuable part? Engine protection cover gives you several great benefits that make it worth a second look. Financial Protection for Expensive Repairs This cover saves you from huge engine repair costs. Your car's engine is its most expensive part, and repairs or replacements can hit your wallet hard.
It covers many important components like:

Gearbox and differential parts

Connecting rods and crankshaft

Essential consumables like coolants and engine oil

Labor costs for repairs

Smart Investment for Specific Situations This add-on really pays off in certain cases. You'll find it especially valuable with a new car since newer model repairs cost more. Living in flood-prone or low-lying areas makes this coverage vital to have. Long-term Value Benefits This protection helps you keep your car running longer without worrying about surprise engine repair bills. The coverage protects you in many situations that could cost lakhs of rupees otherwise. Cost-Effective Premium You'll pay extra for this coverage, but it costs much less than potential engine repairs. It's a smart investment, since just one engine repair can set you back more than ₹1 lakh.

Why do you need Engine Protection Add-on for your car
Your standard comprehensive car insurance has a big catch - it won't cover engine repairs or replacement. Engine problems can empty your bank account fast because repairs are complex and expensive.
Your engine protection becomes vital in these situations:

Your car gets caught in sudden flooding

Oil leakage damages internal components

Hydrostatic lock affects engine performance

Mechanical failures require major repairs

Engine repairs can cost you a fortune. Without this extra coverage, you'll have to pay for all repairs or replacement yourself. This coverage proves most valuable for:
Car Owners Cars under 5 years old need this add-on as a safety net. The small premium increase is nowhere near the repair costs you might face without coverage.
Flood-Prone Area Residents People living in areas with frequent waterlogging face higher risks of engine damage. This add-on becomes a must-have since water damage to engines happens often and costs a lot to fix.
Luxury Car Owners Luxury car engines cost much more to repair and replace. This add-on will give you protection against these huge expenses and peace of mind while driving your premium vehicle.

What is Covered under Engine Cover
Let's take a closer look at what your engine protection cover actually protects. This add-on will give a complete coverage for all engine-related problems.
Your engine protection cover covers:

Repair or replacement of internal engine parts like pistons, connecting rods, crankshaft, and cylinder head

Gearbox and differential assembly repairs

Cost of consumables like coolants, nuts and bolts, engine oil, and lubricants

Labor charges for repairs and overhaul

Machining work such as cylinder re-boring and compression tests

The policy also protects against hydrostatic lock damage - when engine failure happens after starting a wet engine. The cover handles expenses from water ingression damage, especially when you have monsoon conditions. Your car's undercarriage components are also protected under this cover. This add-on ended up protecting you against all engine-related expenses, from simple consumables to complete engine overhaul costs.

Who Should Buy Engine Secure Cover in Car Insurance?
Some car owners need engine protection cover more than others. Let's see if this coverage makes sense for you.
You should think about getting engine protection cover if you match any of these situations:

You live in flood-prone areas or work near water bodies

You own a luxury or high-end vehicle

You're still paying off your car loan

You drive long distances often

You bought a new car recently

This coverage becomes vital if you own an expensive car. Engine repairs could cost way more than they would for a regular vehicle. A luxury car's engine repairs can be astronomical without proper coverage. You'll get the most value from this protection if you want to avoid future financial risks. New car owners should pay special attention because engine repairs for recent models are expensive and can hit your finances hard. This coverage adds an extra safety net if you haven't paid off your car loan yet. You don't want to deal with unexpected engine repair costs while making loan payments. Your specific situation and risk tolerance will help you decide. This add-on coverage could be a smart investment if you want complete peace of mind about your car's most important part, whatever type of car you drive or where you live.

Conclusion
Your car's engine protection cover shields its most expensive component. Of course, standard insurance policies don't cover engine repairs, but this add-on protects you from damage that water ingression and oil leakage can cause. This coverage makes perfect sense if you own a new or luxury vehicle. It becomes even more valuable if you live in flood-prone areas or want to avoid worrying about engine repairs. The protection goes beyond simple components and covers gearbox repairs along with essential consumables. Engine repairs and replacements can get pricey, which makes this add-on a smart investment for your vehicle's future. The small increase in premium delivers great value when you think about repair costs that could run into lakhs of rupees.

Keep your car's heart beating strong! Visit https://basketoption.insure/motor-insurance, the leading insurance broker in Bangalore, to discover everything about Engine Protection Cover. Our experts are ready to help you with advice and competitive quotes that will keep your motor running smoothly—reach out to us today!