Car Engine Protection Cover

Natural calamities like floods are one of the primary culprits behind car engine damages during monsoon. However, a basic insurance policy does not cover the damages to your engine. With an Engine Protection Add-on, you can enhance the scope of your Comprehensive Car Insurance Policy.

What Is Engine Protection Cover?

An engine protection cover is an add-on to your Comprehensive Car Insurance policy, that is meant to cover any damages to the engine. It thus compensates you or pays for the repair/replacement of your engine and it’s parts like pistons, connecting rods, etc. This damage could have been caused due to an accident or even a natural disaster like flood.

What Does an Engine Protection Add-on Include?

An Engine Protection Add-on includes the following claimable situations:

  • Damages due to the leakage of lubricating oil
  • Damages caused due to water ingression
  • Damage to the gear box
  • Hydrostatic lock that happens when you try to start a wet engine

The scope of coverage under Engine Protection Add-on varies from one car insurance company to another. It’s always wise to read the policy wordings carefully before buying the car insurance cover.

How Much Does an Engine Protection add-on Cost?

The cost of an Engine Protection Add-on is usually about 2% of the current market value of the car, this depends on the car model.

Why is it Advisable to Buy an Engine Protection Add-on?

It is advisable to buy an Engine Protection Add-on to avoid financial crises, which arise due to a damaged engine. The engine is an expensive and one of the most important parts of a car. It can be damaged due to reasons like accident, flood, fire, etc. In case of such damage, you might find yourself facing financial crises, as this would be a sudden expenditure.

Let’s take an example of how and when an Engine Protection Add-on will be useful:

Suppose, you are on a vacation having fun with your family. Amidst the fun, you get a call from your watchman saying that it is raining heavily in your locality and it is likely to be flooded. Your car is parked on the road and the watchman is helpless since he does not have the keys to your car. Hours later, you get another call saying that your car is partially submerged in water and it is not likely to start again.

The result

The engine of your car needs to be replaced. The estimated of cost replacement is Rs. 1.2 lakh. It’s a large amount and you were not prepared for this expenditure.


Nearly six months back, when you renewed your car insurance policy, your insurance salesperson recommended buying the ‘Engine Protection’ add-on for Rs. 17,000. Considering that you lived in a low-lying area, you figured it was worth the risk. The Car Insurance Policy promptly came handy during the monsoon, when the flood water affected the car’s engine. Today, you are rest assured that the insurer will pay for the replacement cost.

All you had to do is avoid starting the car so that the water does not cause further damage. Let your insurance company and it’s surveyor take it from there.

What Is Not Included in an Engine Protection Add-on?

The repairs or replacement of a car engine could cost you a lot of money. The major benefit of such a cover is that you do not have to pay for such damages from your pocket. An engine protection cover can, thus, be quite beneficial, especially during monsoon.

However, you must know that it does not provide a cover in the following cases:

  • Force-start the Car
  • Consequential Damages
  • Unlimited Validity
  • Age Limit

Force-start the Car

You will not be compensated if you try to start your car while it is submerged in water. This is because the engine is designed to shut down and not let water in. However, when you try to start the car forcefully, the water enters the engine. This can cause great damages.

Hence, it will be considered as a deliberate move of damaging the engine. The insurer may not accept your claim.

Consequential Damages

Damages to your engine are not covered in the event when the damages were not a direct result of an accident.

Let’s say your car’s bonnet was damaged in an accident, you decided to drive your car to the nearby cashless garage and inform the insurance company. However, on your way to the garage, the oil leaked into the engine causing a damage. This damage is a result of a  consequential loss which is not directly caused by the accident. Thus, your insurance company will not accept the claim.

Unlimited Validity

This add-on comes with a limited validity. You cannot make more than two claims in a year for engine damage with this add-on.

Age Limit

Most of the insurers offer this cover to cars that are not older than 5 years old.

Who Should Buy The Engine Protection Add-On Cover?

This cover is a must-have if:

  • You live in a flood-prone area
  • You have a really expensive car
  • You want to avoid all kinds of risks
  • You bought a brand new car and want to have that extra layer of insurance cover for the engine too.

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