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Benefits Of Engine And Gearbox Protection Cover


The engine of your car plays the same role as your heart. It is what pumps life in the car and keeps it going. It is of utmost importance to keep the car well-maintained. The engine, gearbox, and other parts of the car need to be well serviced from time to time.

A comprehensive insurance policy protects you and your car, but sadly it does not cover the damage caused to the engine. And the engine is the most expensive part of the car to get fixed and repaired. This is the reason why you need the engine and gearbox protection cover add-on in your insurance policy. It will protect your car and cover the cost of the damage caused.

Engine Protector Cover Add-On

The engine protector cover is optional. You pay an extra premium amount for the protection of your engine, and the insurer then pays up for the consequential damages like leakage of lubricating oil, water ingression, etc. in your car engine. This add-on helps protect the internal parts of the car’s engine, gearbox, and power steering pump.

What it covers?

The engine and gearbox protection add-on covers the cost of the following components:

  • Repair and replacement cost of all engine child parts.
  • Repair and replacement cost of all gearbox child parts.
  • Labour cost incurred for the repair and replacement.
  • Cost of consumables like nuts, bolts, lubricating oil, coolants, etc. needed for the repair.

The components mentioned above are covered if the damage caused is due to the following:

  • Water ingression
  • Damage to gearbox
  • Leakage of lubricating oil
  • Undercarriage damage to the engine and/or gearbox and/or internal transmission parts of the vehicle due to lubricant leakage caused by external impact.
  • Hydrostatic lock expenses- when you try and retry to start a wet engine after water ingression or flood, it gets locked.

It is considered to be the most essential add-on when it comes to car insurance. This cover protects the engine and transmission of your car in case of damage. These are the most used parts in a car, and hence subject to the most wear and tear. In times of heavy traffic, the gearbox is used frequently. It will, in turn, increase the wear and tear caused to the gearbox.

Add-on covers like these will help in a smooth, hassle-free claim settlement process, along with covering all the major expenses. A regular comprehensive car insurance policy does not include all these hefty expenses and you might end up burning a hole in your pocket to get them fixed. However, if you are smart enough to be prepared well in advance, you would get all your engine and gearbox related damages covered under the engine and gearbox protection add-on and stay care-free.  

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Disclaimer :The information published on this website is for the public's reference only. Content of this information is to provide an overview of your Insurance needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice for Travel/Health/Motor. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel, services, or any other items mentioned on this subject for any purpose whatsoever.

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