Turbo Engines in SUVs: How They Impact Car Insurance Premiums and Claims

A car engine works based on a four-stroke process. This includes intake, compression, combustion, and exhaust. In this process, air and fuel enter the engine, get compressed, are ignited to produce power, and the exhaust gases are released.

In a regular or naturally aspirated engine, air enters the engine naturally without any external pressure. On the other hand, turbo engines use the exhaust gases to push more compressed air into the engine. This allows more fuel to burn, generating higher power, improved acceleration, and better efficiency from a small engine size.

If you are a car enthusiast, you can explore these modern turbo engine cars on highways for a more powerful and smoother driving experience.

Now, while turbo engines help you bring out your car’s maximum potential, they also matter when it comes to insurance.

While turbo engines don’t directly affect premiums, they can impact the overall cost. Four-wheeler insurance premiums are calculated based on several factors, such as:

• Insured Declared Value (IDV)

• Car make, model, and variant

• Engine capacity

• Age of the vehicle

• Location

• Fuel type

• Type of policy and add-ons included

• Driving history

IDV refers to your car’s current market value and the maximum amount you can claim under a car insurance policy.

Cars with turbo engines are usually priced higher and vary across variants. This, in turn, leads to a higher IDV, which can increase the premium in the car insurance calculation.

However, this also ensures better financial protection, as you receive a higher claim amount in case of a loss or damage.

Modern SUVs engineered with turbocharged engines are designed to deliver high-performance. However, in case of unexpected damage due to an accident, their repair expenses can be high due to advanced and expensive components.

A standard car insurance policy may not cover certain types of engine damage, such as those caused by water ingress (water entering the engine). In such cases, if a claim is raised without the right coverage, it may not be approved.

For this reason, when choosing modern SUVs with turbo engines, it is important to consider including an engine protection cover in your comprehensive car insurance policy.

The TATA AIG Benefit

TATA AIG offers an optional Engine Secure add-on, which covers repair and replacement expenses for the loss or damage to internal engine parts.

It covers damages caused by water ingress or lubricating oil leakage from the engine. In such scenarios, the add-on also pays for lubricating oils and consumables.

Turbo engines that deliver high-performance and fuel efficiency are becoming a key feature among top automobile manufacturers. If you are looking to buy a fuel-efficient car with a turbo engine, these modern SUVs can be a great choice.

While considering such powerful vehicles, it is equally important to ensure adequate coverage under your car insurance policy. This should ideally include an engine protection add-on for enhanced coverage.

Explore TATA AIG car insurance online for a range of customisable features with a wide variety of optional add-ons.