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Engine Protection Add-on Cover in Two-Wheeler Insurance – Benefits

Team AckoOct 22, 2021

The regular comprehensive policy covers only the repairs to your bike caused due to accidental damage. Repairs or replacement of internal parts of the engine and/or gearbox due to water ingression or oil leakage are not covered standard comprehensive bike insurance policy. However, you can include it as an add-on cover to enhance the standard policy. Read ahead to learn all about Engine Protection add-on cover in two-wheeler insurance.

Engine Protection Cover in Bike Insurance Add-on

What is Engine Protection Add-on Cover in Bike Insurance?

Damage to the insured bike’s engine, the heart of the vehicle, can be expensive. Be it water ingression due to flooding that has led to damages in parts of the engine or oil leakage, which has wreaked havoc in the functioning of the engine, you need financial coverage to repair the damages. While repairs to the engine are not common, there is no changing the fact that the cost to repair it is exorbitant.

This is where the Engine Protection add-on cover in two-wheeler insurance comes to your rescue. Since the engine is not covered in the comprehensive policy, you can opt for it as an add-on cover. For a nominally higher premium, you can be assured that you are financially covered in case of damages to the engine of the insured bike. Bike Engine Protection add-on provides coverage for repair or replacement of engine and gearbox parts arising from water ingression, leakage of lubricant oil/coolant, a hydrostatic lock of the insured bike.

The Engine Protection cover for two-wheelers is an important inclusion to the comprehensive plan since it enhances the coverage and protects your finances in case of damages to the engine. For a slightly higher premium, the Engine Protection Add-on is an essential add-on that you need to consider before buying a bike insurance policy.

Example: In case your bike gets flooded with water due to a natural calamity, the engine could be damaged and may require a thorough check-up and if need be, get it fixed. This is where the Engine Protection cover for your bike will pay for the repair or replacement of engine parts of your insured bike.

How Does it Work?

You may be wondering how the Engine Protection cover works. The process is simple. In case the engine or the gearbox of the insured bike gets damaged since water has entered it or if the coolant or the lubricant has leaked inside the engine or the engine has stalled due to water ingression, then the insurer will pay for the repair or replacement of the parts. In case your bike’s engine is damaged, in such a case, you need to inform the insurer, and they will offer coverage to repair or replace the same.

How to Buy Online?

Did you know that you can buy a 2-wheeler Engine Protection add-on online? Yes, it is that easy. While the conventional method of approaching an insurance agent or intermediary to buy the add-on is a cumbersome method, the new-age method has gone digital making the process hassle-free and faster. To buy bike engine insurance cover, you need to do it at the time of buying a new policy or while renewing your existing policy. Follow the steps below to buy Engine Protection add-on online:

  • Step 1: Visit the insurance company’s website such as www.acko.com.

  • Step 2:

    If you are buying a new policy for your bike, then:

  • Enter details of the bike such as model, variant, the year of purchase and the place of residence of the policyholder.

  • You have the option to choose between Third-party and Comprehensive insurance policy.

  • Select the comprehensive plan so that you have the option to include add-on covers.

  • Choose the Engine Protection add-on to be included with the basic policy.

  • Pay the premium and receive the policy document to your email account.

If you are renewing the existing policy for your bike, then:

  • Log in to your account to renew your bike insurance policy.

  • You will have the option to select any of the add-on covers, select the Engine Protection cover.

  • Pay the renewal premium and receive the policy document to your email account.

Features and Benefits of the Two-Wheeler Engine Protection Cover:

The Engine Protection cover is an important add-on that adds value to the Comprehensive bike insurance policy. Below are the features and benefits of the bike Engine Protection cover:

Features:

  • Financial coverage in case of leakage of oil/lubricant oil inside the engine or due to water ingression.

  • Physical damages parts of the engine and gearbox due to hydrostatic lock.

Benefits:

  • Pays for the most expensive part of the bike.

  • Offers financial protection.

  • Ideal for new bikes and people living in flood-prone areas.

Exclusion of Engine Protection Add-on:

Below are the exclusions under the Engine Protection add-on cover:

  • Any repair or replacement due to regular wear and tear.

  • Repair or replacement of internal parts of the engine or gearbox arising due to an accident when the person is under the influence of an intoxicating substance or due to illegal racing or riding the insured bike with an invalid driving licence.

  • Repair or replacement of engine parts due to delay in intimating the insurance company.

  • Damage or losses due corrosion of the engine due to a delay in the retrieval of the insured bike from the water-logged area.

  • Cost of lubricants or engine oil caused due to leakage or flushing of the consumables from the engine.

  • Any claim raised after the timeline to intimate the insurer about the incident.

  • Any claim where the repair or replacement of engine parts without informing the insurance company.

  • Any claims where the claim is covered under the manufacturer’s warranty.

Is Engine Protection Add-on Ideal for You?

The Engine Protection add-on in bike insurance provides financial assistance against repair or replacement of internal parts of the engine or gearbox. Such damages to the engine are not covered by the basic comprehensive policy. It is especially helpful if you stay in a flood-prone area. For a nominal additional premium, you can rest assured that the most expensive part of your bike is covered and need not worry about repair costs arising due to damages to the bike engine.

Two-Wheeler Package Policy/Stand-Alone Own Damage Bike Insurance Policy – Add-on: Engine Protect:

You can buy the Engine Protection add-on cover as a package with the comprehensive plan or you can buy it along with the stand-alone Own Damage bike insurance policy. You do not require a separate document for buying the add-on; however, mandatory documents for buying the stand-alone or package policy are required. Below are the exclusions under the Engine Protection add-on:

Exclusions:

  • Damage or loss including corrosion of the engine and/or the gearbox due to delay in intimation to the insurance company.

  • Repair or replacement of internal parts of the engine caused due to the delay in retrieving the insured bike from the water-logged area.

  • Loss or damage arising due to the person riding the insured vehicle in an intoxicating state or due to illegal racing or riding the bike with an invalid driving licence.

  • Repair or replacement of the engine and/or gearbox parts covered under the manufacturer’s warranty or recall campaign.

  • Cost of lubricants in case of loss due to leakage.

  • Any claim raised after the specified timeframe set by the insurer.

  • Any claim where the repair takes place before intimating the insurance company.

  • Any claims due to loss or damage caused due to regular wear and tear.

How to Claim 2-Wheeler Insurance Through the Engine Protection Add-on?

The process of filing a claim to repair or replace internal parts of the engine and/or gearbox of the insured bike is the same as the process of raising claims through the comprehensive policy. Follow the steps below register a claim through the Engine Protection add-on:

  • Step 1: Inform your insurer immediately and let them know the details of the loss or damage to the engine parts of the insured bike.

  • Step 2: The insurer will assign a surveyor to assess the loss to further process the claim.

  • Step 3: The insurer will reimburse the repair cost towards the repair or replacement of internal parts of the engine and/or gearbox.

Also, read: 3rd Party Bike Insurance

Who Should Buy the Engine Protection Add-on?

The Engine Protection add-on cover is additional coverage to the basic comprehensive policy for your bike. Here are the reasons why you should consider buying the bike Engine Protection add-on for your vehicle:

  • If you are living in a flood-prone area.

  • If you have bought a new bike since the engine is the most expensive part of the bike.

  • If you want financial protection against major damage to the engine parts.

Bike Engine Maintenance Tips:

The engine is the most expensive part of the bike and any damages to the internal parts will drain your finances. Here are some of the two-wheeler engine maintenance tips for longer life:

  • Check engine oil levels regularly to avoid any unwanted damages to the engine or gearbox parts.

  • Service the bike regularly as per the schedule and ensure parts such as oil and air filter to keep the engine running in good condition.

  • Do not stress the engine with an unwanted acceleration which may cause overheating resulting in damages to the internal parts.

Frequently Asked Questions:

Here are some of the frequently asked questions about the Engine Protection add-on cover for the basic bike insurance:

Will the comprehensive policy cover loss or damage to my bike’s engine?

No, the comprehensive policy does not cover damages to the internal parts of the engine and gearbox. You can opt for the Engine Protection add-on cover to enhance the basic plan to cover you against financial liabilities arising out of damages to engine parts such as water ingression and leakage of oil.

Why should I protect the bike’s engine with the Engine Protection add-on cover?

The engine of your bike is the most expensive part of the vehicle. Any repair or replacement of internal parts of the engine is bound to be expensive. Through the add-on cover, the insurer will pay for the repair cost arising out of damage or loss to the engine parts.

What happens if water enters the bike engine?

Internal parts of the engine, such as connecting rods, pistons, gearbox, etc. could get damaged and may require repair or replacement. However, through the Engine Protection add-on cover, the insurer will pay the repair or replacement costs of these parts and you need to spend from your pocket.

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