Does Car Insurance Cover Engine Damage?

No, car insurance does not cover engine damage, unless you have an add-on coverage. Picture this - your car suddenly breaks down on a highway due to engine failure, leaving you with a steep repair bill that could easily cross ₹50,000. It is a scenario many Indian drivers dread. While most car insurance policies cover accidents, theft, or natural calamities, engine damage is often excluded. In such a scenario, an add-on cover that provides coverage for engine damage could be helpful.

A regular car insurance plan usually does not provide all-around coverage for damages caused, depending on the policy chosen. A policyholder should review the terms and conditions of the policy to understand what is covered. 

In most cases, the cost of engine repairs can be as high as 2% of the current value of the car, depending on its make and model. Hence, car owners end up spending a lot of money out of their pocket for engine repair or replacement. By opting for an engine repair add-on cover, they can save money as the insurance company will take care of the engine-repairing expenses. 

Here is what is excluded from the engine protection add-on in car insurance:

Here are the steps to follow to claim engine damage in car insurance:

The engine of your car is the most important and expensive component. So, keeping it safe is not just smart but necessary. As basic car insurance excludes engine damage, investing in an engine protection add-on saves you from hefty, unexpected repairs. 

It is a small expense that brings peace of mind during accidents or mishaps. Make sure to read your policy documents carefully so that you know precisely what you are covered for.