What is an engine protection cover in your motor insurance

1. Motor Insurance

2. What is an engine protection cover in your motor insurance? The government of India has made it mandatory for all the vehicle owners to own a third-party cover. Thus, no one can drive his or her vehicle in the country without having a third-party cover. Your third-party cover takes care of all the financial as well as bodily damages incurred to the third-party during an accident. However, the damage caused to your engine inside the motor is neither covered under the third-party car insurance nor the comprehensive policy. Your car’s engine is the most important part because of which it runs on the street. Therefore, it is the most expensive part which would cost you a fortune, if damaged. However, now, there are number insurance firms which provide an add-on to the comprehensive policy in the form of an engine protection cover.

3. An engine protection cover will take care of all the damages incurred by your car’s engine. Thus, by opting for this cover, you will be eligible for compensation of the engine’s cost or for the repair of the engine. Even the damages caused to your engine because of the natural calamities such as heavy rains will also be taken care of under the engine protection cover. You should opt for an engine protection cover in order to avoid any sort of financial crises; as the cost of the engine is expensive, if you reside in an area which receives heavy-rainfall or if you own a high-end expensive car.

4. An engine protection cover takes care of: • Oil leakage: The oil that you use as a lubricant in your car might leak due to any complication. This causes heavy damage to the motor of your car. However, your motor insurance add-on in the form of engine protection cover takes care of all the damages incurred by the engine of your vehicle.

5. Damage caused to your gearbox: We often overlook the gear shifting issues faced by our vehicle, which may later lead to severe problems for the gearbox in our car. This damage to our gearbox might be caused because of a number of factors such as improper levels of fluid or impurities in the engine. The cost of changing the gearbox is often expensive; however, this damage is covered under the engine protection policy. • Admittance of water: There are times when water enters our car’s engine and damages it. This problem is mostly faced by us in the monsoon season. However, it is advised not to start our car in this situation; as it may cause further damage. This damage is taken care of by the car insurance add-on i.e. your engine protection cover.

6. Damage caused under hydrostatic lock: During the floods or heavy rainfall, water penetrates through the engine and causes it to become immobile. However, we still try to get it started and cause further damage to the engine in the form of hydrostatic lock. The damage covered under the engine protection act varies from one motor insurance company to another. Thus, this damage might or might not be covered.

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