Engine protection cover in car insurance policy

Here’s why you should opt for an engine protection add-on cover while buying a car insurance policy

2 mins
03 Feb 2023

The engine is an essential component in your car and any damage can lead to hefty repair bills, draining your savings.

Thus, opting for an engine protection cover can help you overcome such situations. When you opt for a car insurance policy with engine protection coverage, your insurance provider covers the expenses due to loss or damages to the engine system.

Engine protection cover: What does the add on cover

The engine system is truly the heart of the car. With technological advancements in automobiles, engines are becoming more powerful and complex as well. Hence any damage can prove to be expensive. The engine system in a car can get damaged due to reasons like oil leakage, water ingress, damage to engine parts, a malfunctioning gearbox, etc. In case the engine starts malfunctioning due to any of the above-mentioned reasons, the insurer will take care of the costs associated with repairing the engine of the insured vehicle. However, one should keep in mind that he/she will need to add this rider along with a comprehensive car insurance policy to avail the benefits.

Importance of engine protection add-on cover

Below are a few points that explain the importance of an engine protection cover in a car insurance policy:

  • Your insurance policy may not cover your car’s engine

Standard car insurance policies may not cover engine damage but offer it as an add-on so that this important part of the vehicle is covered. An engine protection add-on plan will cover the costs associated with repairing or replacing the engine system. This helps the policyholder save a considerable amount of money that he/she would have to otherwise spend on engine servicing.

  • Beneficial for areas prone to flood

The chances of engine damage increase significantly in areas prone to floods. This is because of water ingress risks and other issues are also high in such areas. Therefore, a car engine protection cover can be a big help for vehicle owners residing in such areas.

  • An engine is the most expensive part of a vehicle

The repair or replacement cost of engine parts, such as crankshaft, piston, cylinders, etc. can be quite hefty. And it doesn’t even include the cost of metal and plastic parts. With just a comprehensive policy, you would have to bear the entire repair or replacement cost. With an engine protection add-on cover, the entire cost of engine repair and replacement can be covered.

Key inclusions of engine protection cover

Here is a list of things covered under the engine protection add-on cover in car insurance plans:

  • Lubricant oil leakage

  • Gearbox damage

  • Car engine damage

  • Hydrostatic lock damages

  • Water ingression

  • Cost of consumables

  • Car undercarriage damages

Key exclusions of engine protection cover

Along with the inclusions, policyholders should also know the issues that are not covered under engine protection coverage:

  • Force starting a car's engine

  • Water inundation

  • Regular wear and tear

  • Consequential damage

  • Damages that are covered by the manufacturer

How to buy an engine protection add-on cover for your car?

When you purchase car insurance policies offered by Bajaj Finance, you can add the engine protection cover from the list of available add-on covers along with your comprehensive insurance plan. Purchasing a car insurance policy on Bajaj Finance Insurance Mall is a completely digital process and requires you to simply put your name, mobile number, residential address, and previous policy details. So you can now purchase or renew your car insurance, anywhere, anytime.


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