June 12, 2024
New Delhi
Finance Insurance

What is Engine Protection Cover in Car Insurance?

Engine Protection Cover

What is Engine Protection Cover in Car Insurance? Even though owning a car is rather popular, it is still considered a luxury, especially in countries like India where you must wait for a long time and save up money to get one. Additionally, consumers are only able to purchase cars in a certain price range that is compatible with their needs and budget. Additionally, a rise in the market’s demand for cars is pushing manufacturers to build more advanced models. 

Read: What are The Consumables in Car Insurance?

In other words, these cars become more valuable with time—both monetarily and emotionally. You can choose engine protection insurance coverage as an add-on when you purchase or renew a car insurance policy by paying an extra cost. The engine protection feature of your auto insurance protects the gearbox, differential, and engine components of your automobile from loss caused by leaks of lubricating oil or water.

What is Engine Protection Cover in Car Insurance

Comprehensive motor vehicle insurance coverage may include the added advantage of engine protection coverage. It is used to protect the engine of the covered vehicle from any loss or damage to the component parts or the entire engine. Consequently, it serves as a good reimbursement for repairs.

Naturally, there is an additional premium fee to get the perks. Nevertheless, the expense is unquestionably worthwhile. In the event that your car engine is damaged as a result of lubricating oil leaks, water intrusion, etc., it will offer financial support. Additionally, the add-on cover guards against harm to the crankshaft, gearbox, pistons, and other engine-related components.

Typically, accidents, theft, and natural catastrophes are all covered by car insurance in India when it comes to damage to the vehicle. According to the particular insurance, engine breakdowns may or may not be covered. Some insurance contracts might feature a separate clause for mechanical or electrical failure, allowing for a claim in the event of engine failure. Other insurance plans, however, might not offer any engine failure coverage. Simply put, an engine protection cover covers any harm that an oil leak or water intrusion causes to the engine or its components in a car.

The replacement of parts contributes significantly to the earnings of automobile manufacturers. Should the car sustain any damage, the cost of replacement could be significant. The engine is the component that matters the most. A car cannot run without an engine. In addition, any engine damage might burn a huge hole in your wallet. It is therefore safe to get it covered by your insurance.

Why is an Engine Protection Cover Needed?

Since it offers financial security in the event of collisions, thefts, and natural disasters, auto insurance is a required expense for any vehicle owner. The coverage offered, however, varies depending on whether the engine fails.

  • High Engine Expense: Because the car engine is so expensive, fixing it will cost you a lot of money. Furthermore, it may result in high material and labor costs that an unplanned event may make impossible to pay for out of pocket. As a result, engine protection is necessary because the engine is the component most crucial to the overall operation of the vehicle.
  • Engine protection is not covered by normal insurance; Indian motor insurance providers do not provide engine protection as a provision in their auto insurance policies. It is a supplemental benefit that can be added to comprehensive auto insurance only; third-party motor insurance is not covered by it. The availability of this engine protection cover for vehicles older than five years must be noted.
  • High maintenance cost: Unfortunately, paying for maintenance and repairs from your own pocket can be challenging, particularly when it comes to your car’s engine. So, as an extra advantage, auto insurance companies provide engine protection coverage. It will offer the appropriate financial support to handle the costs of repairs linked to engine part damages. For your reference, here is more information on the engine protection cover and its characteristics.
  • A longer life for your car is ensured. The car’s engine is its most important part. Thus, it is crucial to maintain the engine of your automobile in good shape in order to guarantee optimal performance and the long life of your vehicle. Because of financial difficulties, you might not be able to get the broken engine in your automobile fixed in time, which could leave you without a working vehicle at all. On the other hand, if you have an engine protection plan, the insurance provider will pay for the repair of your damaged engine and will also make sure that it continues to run correctly in the future.

What Costs Are Covered by Motor Vehicle Insurance in Engine Protection?

The engine protection add-on feature has a number of advantages. The most important examples of damages covered under the policy are listed below:

  1. Engine components: The engine protection cover covers the cost of repairing or replacing engine components, including the gearbox, crankshaft, pistons, connecting rods, etc.
  2. Water ingression: The add-on feature additionally pays for damage when outside water gets inside the engine and impairs it.
  3. Lubricant oil leaks: Lubricant oil leaks from your car’s engine can cause a number of issues that compromise the safe operation of the vehicle. Therefore, the protection insurance can pay for the corresponding repair costs.
  4. Hydrostatic lock damage: This damage occurs when you try to start your car with a wet engine, and this is covered by this type of insurance.

Along with the aforementioned advice, insurance for a car with engine protection can provide reimbursement for the expense of consumables like coolants, nuts, bolts, lubrication oil, etc. that arise during engine repairs.

When is ‘Engine Protection Add-On Cover’ Not Applicable?

It is important to remember that while the engine protection add-on cover has some exclusions, it nevertheless has several benefits during the rainy season. In the following circumstances, one does not get the engine protection cover:

  • For cars under five years old, the vast majority of insurance companies typically offer an engine protection add-on policy.
  • A policy buyer who purchases the engine protection add-on protection is not permitted to submit more than two claims during a single policy year.
  • Your insurance company is unlikely to cover engine repair costs if your insured car sustains damage as a result of an incident like an oil leak that occurs after the collision.
  • In case your engine protection-covered car sustains damage after being started while submerged in water, your individual insurance provider will not give any reimbursement for claims. This is because repeatedly pressing the ignition will harm your car’s engine and will be viewed as intentional behavior.


Your engine and engine part repair costs will be covered by the engine protection policy. Regular wear and tear and attempts to start the car against gravity while submerged in water are not covered by the insurance. Online access is provided for you to use all the features of auto insurance. 

Navigating through the options will allow you to quickly and easily select the engine protection cover. In order to preserve the engine of your automobile, you must immediately buy it once you acquire it, taking into account the value of the engine and its functionality. You will undoubtedly have to pay a higher premium, but it is unquestionably worthwhile.

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