Learn More About The Engine Protection Cover In Your Car Insurance | Bharti AXA GI

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Learn More About The Engine Protection Cover In Your Car Insurance

While buying a car insurance policy, you should not just aim to keep the premium rates low. You should also ensure that you get adequate coverage for your car. One of the most expensive parts of your car is its engine. But does your insurance provider cover damages it may suffer?

Engine Protection Cover

A comprehensive car insurance policy excludes any damage that your car’s engine or engine parts like piston, pins, gearbox, crankshaft or cylinder may suffer. Engine protection cover remedies this situation by providing you financial protection against the costs arising from damage to your car’s engine. This damage may arise from many different circumstances including leakage of lubricant oil, water ingression, or hydrostatic lock.

If you live in a flood-prone area, this cover is a must. Any damage from water entering your engine will not be covered by your insurer by default. That said, remember that cranking up your engine after it has been water-logged can cause further damage to the engine. Insurers will consider this a deliberate act of damage and the cover will be void. So, never start your engine if it is water-logged.

Why should you invest in this cover?

Engine is the heart of your automobile. A car without a functioning engine is just a piece of junk. Therefore, you should do your best to protect the engine. Get the engine protection cover as:

  1. Engine is arguably the most expensive part of your vehicle.
  2. Engine repair is generally a costly affair.
  3. Labour and material charges could add up to a large amount when getting your engine repaired.

What is covered?

Engine protection cover compensates you in case the engine is damaged from:

  1. Leakage of lubricating oil
  2. Damage to gear box
  3. Water ingression
  4. Hydrostatic lock

How does it work?

If you have to get the engine for a standard hatchback repaired, the costs may run up to ₹1 lakh. Further, you may also have to invest in parts which can set you back another Rs. 20,000.

If all you have is standard comprehensive car insurance , you will have to pay the entire amount out of your pocket. But with an engine protection cover, the insurer will pay for both the repair and replacement of the car’s engine and any parts thereof.

So, what are you waiting for? Get your car insurance quote today and don’t miss to buy this amazing add on for your car.