Engine Protection Cover in Car Insurance

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Engine Protection Cover in Car Insurance

Long drives can be a fun and exciting way to explore new destinations. However, they are only possible if your car's engine is in good shape. This is because a car's engine is its heart. It holds all the power to help your car function and your car would be nothing without it.

Therefore, it is imperative that you take good care of this vital component.

One way of doing so would be to invest in an engine protection cover when buying or renewing your car insurance policy.

It is a completely optional add-on that insurers offer and can be a worthwhile purchase if you live in areas prone to floods, which can increase the possibility/lead to engine damage.

This blog explains everything you need to know about engine cover in car insurance, including what it is, its benefits and inclusions and exclusions. Read on to learn more with Tata AIG!

Engine Protection Cover Meaning

Engine protection or EP in car insurance is an optional add-on cover you can buy with your base comprehensive car insurance policy.

It covers the repair/replacement costs for your car's engine when it gets damaged due to an insured event (E.g. Road accidents, natural disasters like floods, etc.). It is an effective way to cover the high costs of repairing/replacing your car's engine or its parts.

Since it is an add-on, the coverage is available for an additional premium. However, it is worth the extra cost if you live in high-risk areas prone to floods or accidents, as it will provide financial assistance for damages due to oil leakage, water ingression, etc.

Car insurance with engine protection will also cover damages to car engine parts such as the crankshaft, gearbox, pistons, etc.

Why Do I Need Engine Protection Cover in Car Insurance?

Your base comprehensive car insurance policy will not cover engine repair/replacement costs.

Car engine repairs/replacements are extremely complex and, therefore, more expensive compared to repairing other car parts. It can also lead to significant material and labour charges, further increasing out-of-pocket expenses.

So, if you were ever faced with a situation where you need to repair or even fully replace the engine, you would be looking at a significantly higher repair bill. Moreover, if you live in an area where engine damage is more likely to happen, it can quickly deplete your savings.

Hence, insurers offer engine protection as an add-on cover. It is important to note that an engine protection cover is not available for cars older than 5 years.

Also Read: A Complete Guide to Add-on Covers in Car Insurance

Engine Protection Cover Benefits with Tata AIG

Pays for the Most Expensive Car Part: The car's engine is its most expensive component, so any repairs or replacements concerning the engine will also be expensive.

However, if you have Tata AIG's car insurance with engine protection, you do not have to worry about the case, as we will pay for these repairs.

Provides Financial Shielding for New Car Owners: Cars are considered a big purchase and any sudden damage to your car's engine can carve out a huge chunk of your savings.

Moreover, repairs for a new car are more expensive. So, buying an engine protection cover can be beneficial in mitigating any large, unplanned out-of-pocket expenses and can help increase your car's longevity as well.

Ideal for Flood-Prone Areas: Engine protection in car insurance can be a practical investment if you live in low-lying areas prone to flood or water-logging.

This way, if your car is ever damaged due to water ingression, we at Tata AIG will cover the repair costs.

What is Covered Under Engine Protect in Car Insurance?

Repair/Replacement of Engine Parts: The engine protection cover reimburses you for the cost of repairing/replacing the engine parts, such as the gearbox, crankshaft, pistons, connecting rods, etc.

Replenishable Material Costs: An EP in car insurance will also cover the cost of consumables such as coolants, nuts and bolts, engine oil, gearbox oil etc, lubricant oil, etc., that are incurred while repairing your engine.

Water Ingression: This covers you when water enters the car engine. This add-on covers damages caused when outside water enters the car engine and affects its functionality.

Leakage of the Lubricant Oil: Leakage of the lubricant oil from your car's engine can affect your car's functionality and safety when driving. An EP in car insurance will cover any repairs associated with this issue.

Damages Due to Hydrostatic Lock: The add-on will cover engine repair costs if you attempt to start your car while its engine is wet.

A hydrostatic lock is when the car's braking system is damaged or inoperable. It occurs when you try to drive your car when its engine is wet, filled with water or if you drive through a water logged area.

You should note that hydrostatic locks only happen when your engine is running.

What is not Covered Under Engine Protect in Car Insurance?

Regular Wear and Tear: The add-on will not cover repair/replacement of the car's engine and its parts due to depreciation that comes with time and regular usage.

Consequential Damages: These can be engine damage that could have been avoided but can result as an indirect outcome. For example, driving your car after an accident or trying to start your car when it is submerged.

Force Starting the Engine: The engine protection cover does not provide financial assistance if you try to start or drive the car when submerged, increasing the pressure despite the water logging prevailing in your surroundings.

Damages Covered by the Manufacturer: It does not cover the engine repair/replacement expenses mentioned under the car manufacturer's warranty.

Water Inundation (Pluvial Flooding): This is only covered under some engine protection covers. Always ensure you discuss the terms and conditions of the add-on cover with your insurer before buying.

Key Takeaways: Things to Note Before Buying Engine Cover in Car Insurance

The engine protection add-on is not available for cars that are older than 5 years.

This add-on is only available under comprehensive car insurance plans. You can not buy an engine protection cover if you own third-party car insurance.

Engine protection covers have a maximum claim limit. Most insurers let you make up to two claims, after which you must buy the add-on again.

Who Should Buy Engine Protection Cover in Car Insurance?

People who live in/near flood-prone areas or work near water bodies.

People who own luxury or high-end cars where the cost of engine repairs would be far higher than a normal car.

People who want to account for future risks/perils.

How to Buy an Engine Cover in Car Insurance at Tata AIG?

Visit the Car Insurance Page on our website.

Enter your car registration number and click Get Price.

Fill out the application form and upload the required documents.

Next, choose the engine protection cover from the presented add-on options.

Submit your application form and pay the fees.

You will receive a PDF copy of your car insurance with engine protection on your registered email after we have verified your documents.

Further Reading:

You can also buy the engine protection cover during renewals if you did not opt for one during your initial purchase.

For Insurance Claims: You must file your car insurance claim as soon as possible when the damage/incident occurs for your claim to be accepted. We recommend doing so within 30 days of the incident.

To Summarise

Your car engine is one of the most important parts that determines your vehicle's functionality.

To ensure your car's longevity and to mitigate large out-of-pocket engine repair expenses that arise from road accidents and other perils, we recommend getting an engine protection cover when buying car insurance.

It can be a vital asset if you live in a flood-prone area where waterlogging is common. It is also a practical fail-safe for new car owners because any damage to the car engine will result in a steep repair bill.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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