Engine Protection Cover Benefits in Car Insurance Policy

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Updated on Sep 26, 2022

Arjun has a car that is four years old and most of the parts are performing well. However, the engine started showing some issues and he immediately went to a nearby auto repair shop to get the problem checked. The mechanic clarified that the engine required replacement. As Arjun has a car insurance policy, the insurance company paid the expenses that saved a lot of money.

The car engine is the most important part that requires proper maintenance. But the engine repair costs are highly expensive and it sure does cause a dent in one’s pocket. Having a car insurance plan helps overcome the cost component problem effectively. This is because it covers all expenses when the engine undergoes some repairs.

What is an engine protection cover? 

The engine protection cover is an add-on cover offered by a car insurance policy. It offers coverage to any loss or damage to the engine caused by flooding, leakage of lubricant oil, damage to the gearbox, etc. Not only that, it provides coverage for engine damage when a car is involved in an accident. The coverage is ideal for those who want to manage the high expenses of engine repairs with ease.

Also Read: Cheap Car Insurance Plans in India

What are the benefits of an engine protection cover?

1. Covers the expensive engine

The engine repairs are very costly and a car owner has to spend quite an amount on it. Therefore a car insurance policy with engine protection cover is highly recommended by experts to get coverage for the engine repairs.

2. Allows car owners to get protection against natural calamities 

Natural calamities such as storms and floods can damage the engine of a car. Anyone who lives in flood zones and cyclone prone areas is more likely to face engine damages and having a car insurance plan will help overcome the problem significantly.

3. Protects new cars

Those who buy a new car can benefit a lot from engine protection cover. It provides ways to protect the condition of a motor engine effectively thereby helping to reduce risks.

4. Enhances the longevity of a car vehicle 

Car owners should make sure that they keep the engine in good condition to avoid repairs and other problems. Buying a car insurance policy with an engine cover enables them to enhance the longevity of a vehicle to a large extent.

5. Provides financial support 

Buying a car insurance plan provides financial support for vehicle owners when it comes to engine repairs and damage. It is inexpensive enabling car owners to protect their engines against potential hazards.

How does engine protection cover work?

A car insurance policy with engine protection coverage will take care of the expenses of replacement and repairing of engine parts. An insurer will pay the entire amount to an insured person when his/her vehicle requires engine replacement/repair.

Things to keep in mind while buying car insurance with engine protection

  • The coverage works only for those who have a comprehensive policy cover or own damage insurance cover.
  • The engine protection cover is not available for car vehicles that are older than 5 years
  • Since it is an add-on cover, a car owner should pay an additional premium to buy the same
  • Car owners can make two claims under the engine protection cover

What is not covered under car engine protection?

It is also crucial to know what is not covered under car engine protection while buying a new insurance policy. The protection doesn’t offer coverage for consequential damages, force starting the engine, regular wear and tear, damages caused by the manufacturer, and no water inundation.

How to buy a car insurance policy with engine protection?

The car engine cover is available in an insurance policy that will help a person safeguard the engine against vulnerabilities. It is available in add-ons and car owners have to pay an additional premium while buying the same. Only a registered owner of the car can buy the cover that will help minimize high expenses.

How to choose the best car insurance company?

Buying a new car insurance policy with car engine insurance cover should meet certain parameters. A car owner should evaluate his/her needs when buying a policy from the markets. The insurance companies offer both comprehensive and third-party insurance plans for car owners. Anyone who is looking for a basic plan with affordable premiums can consider choosing a third-party liability feature to ensure more protection. At the same time, a comprehensive car insurance plan is suitable for those who are having luxury cars.

Car owners who want to pick the best plans can compare them online which will help them make an informed decision. They should know what is engine protect in car insurance plans from experts. While buying an insurance plan, it is important to check the claim process. Besides that, customers should evaluate the claim settlement ratios of car insurance companies in detail. It becomes very easy to purchase a policy online at the best prices that will save more money. However, one should read the terms and conditions carefully before going ahead with the purchase.

The bottom line 

The engine is the heart of the car because it provides ways to ride a vehicle smoothly on the roads. However, engine repairs are highly expensive and car owners may face difficulties in managing them. Buying a car insurance plan with engine protection offers an ideal solution. The expert’s advice from PayBima’s team comes in handy for car owners when they want to buy an insurance plan at estimated cost with the benefits that suit their needs the most.

Feb 01, 2022
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PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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