Engine Protection Cover In Car Insurance: What You Need To Know
Engine Protection Cover In Car Insurance: What You Need To Know

Engine Protection Cover In Car Insurance: What You Need To Know

Your car must be insured against damage and loss caused by natural or artificial disasters and third-party responsibility. Getting car insurance is an excellent way to ensure your vehicle is safe and well cared for. Full coverage insurance protects your car against third-party risk and damage.

Still, there are some exceptions and extra covers for those. You can add engine security coverage to your car insurance to protect your engine. The primary type of car insurance doesn’t cover replacing or fixing engine parts. So, when you buy car insurance, it’s essential to look at the extra coverage. Let’s find out more about the cover for the engine.

What Is The Engine Protection Cover?

Car owners can buy an “engine protection cover” add-on to protect their engines against loss and damage. It helps to cover the cost of fixing and replacing the motor. Damage can happen when grease or oil leaks, water gets in, or the gears, pistons, connecting rods, or other parts are damaged.

Sometimes, the monsoon could be better and more accessible to predict. If water gets into the engine, it can even break it. And the engine parts are very pricey, which can hurt your wallet. In that case, the engine safety cover can save the day by giving you money. You could get extras from your insurance company besides engine protection cover.

These extras included nil depreciation, multi-car rebates, key replacement, personal belongings, return to invoice, and more. It’s important to look at all the car insurance covers available. The insurance company can read or ask for the terms and conditions of your car insurance.

How Does Engine Protection Cover Work?

As a car owner, you should know what Engine Protection Cover means. Let’s say you’re going on a long trip and leave your house and car locked. You’re on holiday, but heavy rain or flooding floods your house and car, damaging your engine. You are fixing or replacing pistons, connecting rods, and clutch parts.

Because it is costly, comprehensive insurance doesn’t cover your car’s engine; you have to pay more for add-on cover to protect yourself, so you don’t have to pay out of pocket. Getting insurance that will pay for the engine repair will save you more money.

What Is An Add-on Cover For Engine Protection?

This extra cover has many perks and is unique. If there is damage or loss, the insurance company will pay up to the amount stated in the policy.

Engine Protection Covers

If you buy the engine safety plan, your insurance company will pay for the following risks:

There may be damage to the engine if grease or oil leaks out.

Damage happening because water got into the engine of the car

The crankshaft, cylinder head, camshaft, pistons, piston sleeve, gadget pins, connecting rods, engine bearings, oil pump, and turbo/supercharger are some internal parts that must be fixed or replaced.

Parts of the gearbox, differential, or transmission system that are broken need to be fixed or replaced. These include the gear shafts, switch, synchronizer rings and sleeves, actuator, sensor, and mechatronics.

There is a labor charge for replacing and fixing the broken internal parts.

Exclusions For The Engine Protection Add-on Coverage

Like the other features and perks, you need to know what the cover doesn’t cover. It’s essential to read the policy text and look for the parts that don’t apply.

There is no proof that your car stopped in a wet place, damaging the engine’s internal parts.

You could lose anything besides the damage to the engine’s internal parts caused by water getting in, lubricating oil leaking, or damage to the gearbox from lubricating oil leaking accidentally.

The price of engine oil and other supplies needed to clean the engine.

Waiting too long to report aging, decline, and wear and tear can cause loss or damage, such as engine rust.

Any claim where flooding isn’t proven in the event of a loss caused by flooding

How To File A Car Insurance Claim?

How to file a claim for Engine Protection Cover in Car Insurance is an essential part of getting the most out of this policy. Policyholders will have a smooth experience if they know the steps and clearly understand how to start and handle cases. This is a full explanation of how to claim the car’s Engine Protection Cover:

Step 1: Report The Incident Promptly

Contact your insurance company instantly to start the claims process for your car engine security cover.

Step 2: Gather Essential Information

Gather information about the event, such as facts about the crash, the people involved, the vehicles, and any supporting papers.

Step 3: Notify The Authorities

If there is an accident, you should tell the right people, like the cops, and get a copy of the FIR.

Step 4: Document The Scene

Take images of the crash scene, the damage, and the injuries. These will help the investigators determine what happened.

Step 5: Contact The Claims Team

Contact the insurance company’s claims team for help and information on special rules.

Step 6: Fill Out The Claim Form

Fill out claim forms correctly and include all the necessary information, which you can get from the insurance company’s website or claims office.

Step 7: Submit Supporting Documents

Send in the required supporting papers and the claim form to ensure the claims process goes smoothly.

Step 8: Vehicle Assessment

For car damage reports, the insurance company will get an inspector to look at the damage, but the damaged vehicle must be available for review.

Step 9: Follow Up On The Claim Status

Always check in with the insurance company’s claims team to see how the claim amount is handled and how it will be paid.

Step 10: Claim Settlement

After the assessment, the insurance company will decide the claim amount based on your coverage and the assessment results. They will then send you the accepted amount.


Your car’s engine is safe, even if it gets damaged by floods or heavy rain. It won’t cost you anything because you will be given money to help pay for it. The engine safety cover add-on is excellent for people who live in flood-prone areas, have expensive cars, or have a new car. If anything sounds like you, you should buy an engine safety cover.


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