Engine Protection Cover in Car Insurance

The engine protection cover is an optional car insurance add-on that covers repairs and replacement of your car’s vital parts from water or oil-related damage. It covers damage from water ingress or lubricant leakage to engine parts, gearbox, and differential assembly. This protects your car from unforeseen situations like floods, heavy rainfall, waterlogging and hydrostatic locks.

Since standard car insurance plans exclude the engine and transmission, the engine protection add-on safeguards your car’s most important and expensive parts. A delayed repair can necessitate a complete replacement. TATA AIG’s Engine Secure helps by providing comprehensive damage and loss protection while covering consumables such as engine oil and gearbox oil.

Let’s understand how the car engine protection add-on works with an example:

• On a rainy day, you drive along a waterlogged road. Water enters your car’s engine, causing a hydrostatic lock seizing the engine.
• You tow your car to the nearest network garage, and your repair estimate is ₹1.2 lakh. However, the damage is not covered by your standard plan.
• If you don’t get the repairs on time, prolonged water ingress might damage your car’s engine and other components, necessitating a replacement that costs ₹8 lakhs.
• The engine protection cover saves you from this situation by covering the initial repair, part replacement and consumables.

• Increases Policy Premium: As an add-on, the engine protection cover increases your premium based on the car’s mode, engine type and weather-related risks. A car insurance calculator helps you estimate your costs.
• Car’s Age and Price: Owners of new cars and high-end vehicles, especially those with high engine capacity, will benefit more from the engine protection cover. Owners with older cars with low market value may not benefit as much.
• Available for Certain Plans: The add-on is available with both comprehensive and own damage car insurance plans offered by TATA AIG at the time of purchase or renewal. It cannot be added to a third-party plan.
• Geographical Risks: The engine protect add-on is most useful in areas with high risks of floods and heavy rainfall. Unlike standard plans, it offers all-inclusive financial protection against hydrostatic lock, water ingress and other water-related damage.
• May Overlap with Warranty: Before adding the car engine protection cover, consider if your existing manufacturer’s warranty, extended warranty, or maintenance plans offered by dealers already cover engine and gearbox damage.

TATA AIG’s engine protection add-on can be added at the time of a new policy purchase or renewal of your existing plan. Explore the steps:

Add to New Purchase

1. Scroll to the top of this page. After entering your car’s registration number, click on ‘Get Price’
2. Provide the required car and personal details, such as make and model, purchase date and contact details.
3. Check all available plans based on your inputs.
4. Modify the coverage terms and include the Engine Secure add-on plus any other optional covers as needed.
5. Pay the required premium to instantly complete your purchase.

Add at Renewal Time

1. Find the ‘Renewal’ menu at the top of this page. Select ‘Car’ from the insurance options.
2. Enter either your existing policy number or car registration number. Click on ‘Renew’.
3. Check the revised premium and No Claim Bonus (if applicable).
4. Modify the coverage terms. Then, include the Engine Secure and any other add-ons as per your needs.
5. Pay the required premium to complete the car insurance renewal.

Cashless Claim Process

• Inform us about the damage or loss by calling our helpline (022-6489-8282). Then, file an online cashless claim via our claims portal or the TATA AIG app.
• Upload photos or videos of your damaged car with evidence of water or oil leakage.
• We will send a surveyor to inspect your vehicle and prepare a repair estimate.
• Take your car to any TATA AIG network garage and get the necessary repairs.
• Once the repairs are completed, take your car and inform us. We will settle your claim, including engine repair bills.

Required Documents

• Copy of policy documents
• Driving licence
• Car registration certificate (RC)
• Duly filed cashless claim form
• Self-inspection proof (with water damage or oil leakage)
• Repair estimate (by network garage)
• Police report/FIR (for major accidents)

Reimbursement Claim Process

• Inform us immediately via our helpline and file an online reimbursement claim through one of our channels.
• When a network garage isn’t available, get repairs from a non-network garage, pay for it and collect the relevant documents.
• Submit the required documents, including repair estimate, original invoices, proof of water/oil damage, etc.
• We will assign a surveyor to inspect the damage, verify documents and approve your claim.
• We will send the approved reimbursement directly to your bank account.

Required Documents

• Copy of policy documents
• Duly filed reimbursement form
• Vehicle RC
• Driving licence
• Original bills and payment receipts
• Police report/FIR (for major accidents)

• Need for Reasonable Care: The add-on requires you to take reasonable care of your car. This includes transporting it out of a waterlogged area within two days and not knowingly driving across a waterlogged area.
• Evidence of Covered Damage: To cover a claim under engine protection, you must provide evidence, such as photos of the submerged car or visible damage to the engine or gearbox.
• Specified Deductible: The deductible is the amount you need to pay on your own before the insurance policy covers the rest. Our Engine Secure comes with a specified deductible that you must meet before the add-on activates.
• No Wear and Tear Coverage: The engine protection cover does not cover wear and tear, ageing, depreciation or maintenance and servicing expenses. It only covers direct damage and loss from specified events.