Protecting car owners from financial strain in the face of accidents, disasters and theft, four-wheeler insurance serves as a vital safeguard against unexpected circumstances.
However, standard car policies often fall short in protecting a car’s most vital component: the engine. This is where engine protection cover in car insurance comes in, filling the gap and protecting you from costly repairs and losses associated with engine-related issues.
Let us learn what engine protect in car insurance means and how this crucial add-on provides added peace of mind and financial security.
What is Engine Protection Cover in Car Insurance?
Engine protection cover is a car insurance policy add-on that provides financial assistance for meeting expenses resulting from engine damage or failures.
This cover extends the coverage offered by the standard insurance for four-wheelers to include protection for critical car components.
Car insurance with engine protection compensates the policyholder for costs related to the repair or replacement of internal parts of the car engine, transmission, gearbox and other critical parts.
Pairing engine protection cover with other add-ons, such as zero depreciation car insurance, can offer comprehensive protection for your vehicle and guarantee optimal financial support in unexpected vehicle-related mishaps.
Engine Protection Cover Benefits
- Reduces Out-of-Pocket Expenses: Engine protection in car insurance shields car owners from substantial engine repair or replacement costs.
This helps minimise their financial burden and prevents them from dipping into savings or taking loans to cover unplanned repair expenses.
- Quick and Hassle-Free Repairs: With engine protection in car insurance, policyholders enjoy swift, seamless and stress-free engine repair services and get back on the road in the least possible time.
Thanks to this, car owners can experience reduced turnaround times and focus on their daily routine, knowing that the insurance company will bear the costs of eligible repairs.
- Enhanced Protection: Engine protection cover in car insurance provides an additional layer of financial security to regular car insurance policies.
The extended coverage offered by this add-on ensures financial stability and peace of mind even during situations, such as engine failure, oil leakage and water-related damages.
What is Covered in Engine Protection Cover?
- Lubricant Oil Leakage: Oil leakage poses serious functionality and safety risks to the car. The engine protection cover in car insurance covers the costs incurred due to lubricant oil leakage, ensuring that your vehicle runs smoothly and safely.
- Repair or Replacement of Engine Components: This cover also includes the repair and replacement of essential engine parts, including gearbox, pistons, connecting rods and crankshaft.
This guarantees that your vehicle receives timely repairs or replacements, allowing you to drive with confidence and financial peace.
- Water Ingression: Car insurance with engine protection also reimburses repair expenses incurred due to water ingression into the engine.
This provides financial security against water damage, ensuring that you remain prepared against water-related risks.
- Consumables: Engine protection cover in car insurance policy also covers the cost of consumables, such as engine oil, nuts and bolts, coolants, etc, required during engine repairs.
- Hydrostatic Lock Damage: It also covers repair costs for hydrostatic lock damage or failure caused by accidentally starting your car with a wet engine.
A Step-by-Step Guide to Buying Car Insurance with Engine Protection
- Open the website of your car insurance provider.
- Go to the main menu and select “Car Insurance” to open the car insurance page.
- Enter your car’s registration number and click on “Get Price” to get multiple quotes.
- Complete the application form with the required details and upload the necessary documents for verification.
- Choose the “Engine Protection Cover” from the available add-ons.
- Submit the application form.
- Pay the applicable fees.
- Upon successful verification, you will get a copy of your car insurance policy with engine protection in PDF format via email.
Note: Policyholders who did not opt for engine protection cover when purchasing the car insurance policy can buy it when renewing their car insurance policy.
Ending Notes
Engine protection in car insurance is a valuable add-on feature that can enhance the standard coverage for a nominal additional premium.
By investing a little extra and including this cover in your insurance for four-wheelers, you can mitigate costly repair and replacement expenses and yield long-term financial benefits.
This wise investment will protect your finances from unexpected financial burdens, potentially saving thousands and maintaining your vehicle’s resale value and performance for years.
