Engine Protection Cover in 2025: How to Buy, Benefits & More

A standard comprehensive car insurance policy solely covers repairs to your car due to an accident. However, consequential damages to the Engine are not covered. But, these can be covered if you include the Engine Protection Cover to enhance the coverage. Thus, when you are thinking of buying car insurance, it is a good idea to check additional coverages because they can be very helpful. Read more to learn about Engine Protection Cover Add-on in car insurance and its benefits.

Bought as additional coverage with the Comprehensive car insurance policy, engine protection cover in car insurance provides coverage towards damages or losses to the insured vehicle’s engine caused due to an accident. The add-on compensates you for the replacement or repair of your car’s engine or parts.

This can be due to leakage of lubricant oil, water ingression, damage to components such as gearbox, pistons, connecting rods, etc., as well as due to hydrostatic lock, caused when you start the wet engine.

Example Scenario:

Monsoon can be unpredictable sometimes and can cause severe damage to the engine of the car if water enters. Replacement or repair of engine parts could cost you a lot of money. In such situations, the Engine Protection Cover can come to your rescue since the regular comprehensive car insurance does not cover the engine and its parts.

To understand how the Engine Protection (EP) in car insurance, here is an example of how the add-on works:

Suppose you have left your home closed as you are visiting your native place for a vacation or a function and there is a heavy downpour. Your neighbour calls you to inform you that the rainwater has entered your house and your car has submerged in the rainwater. This is a case wherein water ingression is bound to occur.

The cost to repair or replace engine parts such as pistons, connecting rods, gearbox parts, etc. is about Rs.1,20,000. With just the standard comprehensive policy, these parts are not covered and hence you will have to pay it from your pocket. However, if you had bought the Engine Protection Add-on by paying a slightly higher premium, you could have avoided paying from your pocket. The insurance company will cover the cost based on the additional coverage.

Generally, the cost of the engine protection add-on is about 2% of the current market value of the car, this also depends on the model of the car. Any damage to the engine is most often not covered by an insurance company. However, with the engine covered under the additional coverage, you can save a lot of money by getting the insurance company to bear the engine repair bill.

You can buy car engine protection add-on along with the comprehensive car insurance. This is offered as additional coverage and is not part of the standard comprehensive policy.

Below are the steps to buy Engine Protect Cover as an additional benefit through the online method:

The Engine Protection Cover is in addition to the regular comprehensive cover with unique features and benefits. The insurance company will reimburse up to the amount specified in the policy for expenses towards repair or replacement of engine parts that are damaged.

Below are the benefits and inclusions of Car Engine Protection Add-on:

Like all insurance policies, there are some exclusions in the Engine Protection Cover add-on. Read on to find out what is not covered in the Engine Protection Cover Add-on:

1. Starting the Engine Forcefully :When the car is submerged in the water, there is a good chance that water has entered the engine. Do not start the engine forcefully, this can lead to rejection of the claim.

2. Consequential Damages :The policy will not cover consequential damages or losses if the insured vehicle is driven after an accident. Insurers tend to reject the claim during such incidents.

3. Limited Claims: During the policy period, the policyholder can raise only two claims against the Engine Protection Add-on. This add-on is offered with limited validity.

4. Car’s Age Limit :The add-on is not available for cars older than 5 years. Hence, it is limited only to cars which are not more than 5 years old.

When do you buy engine protection cover along with Comprehensive Car Insurance? This add-on is an excellent add-on for you:

Please note that the coverage differs between insurance companies. It is essential to read the terms and conditions carefully before opting for the same.

To raise a claim to repair or replace components of your car engine is similar to the process to raise a claim for your comprehensive car insurance. By following a few steps you can register a claim car insurance for engine protection cover:

An engine protection add-on is an additional coverage to your regular comprehensive car insurance policy. Since it is an exclusive cover, here are a few reasons why or why you should buy the add-on cover:

Some of the common causes of car engine failure are as follows:

Listed below are a few things that you need to keep in mind when buying Engine Protection Cover with your Comprehensive Policy:

It is always prudent to take care of your car and avoid unwanted loss or damage. Here are a few car engine maintenance tips to keep it running in excellent conditions: