Engine Protection Cover in Car Insurance

Complete Engine and Gearbox Coverage

As the name suggests, this add-on covers the cost of repairing or replacing your car's engine and its parts, which are not typically covered under a standard car insurance policy.

Financial Protection

Since engine and gearbox repairs/replacements are quite expensive depending upon the make and model of your car. Therefore, this add-on helps you avoid significant out-of-pocket expenses in case of engine damage due to water ingress, oil leakage, etc. 

Longer Engine Life

Regular maintenance and timely repairs under this engine protect cover in car insurance add-on also helps extend the life of your car's engine. 

Better Resale Value

Having an engine protect add-on implies that your engine is always well-maintained, which can boost your car's resale value.

Peace of Mind

Knowing that your car’s engine is covered under this add-on in various unforeseen situations, you will be able to drive peacefully.

Repair and Replacement Costs

The repair and replacement costs for engine and gearbox child parts depend on the make and model of the car, and the extent of the damage. Common engine and gearbox child parts include the crankshaft, cylinder head, camshaft, pistons, gear shafts, synchronizer rings, etc. However, it is covered only if the damage caused is due to water ingression, leakage of lubricating oil, damage to gear box, and undercarriage damage.

Cost of Consumables

Cost of consumables that are replenished at the time of repair is also included, such as lubricating oil, coolant, nuts and bolts, etc. However, the cost is covered only if the damage caused is due to water ingression, leakage of lubricating oil, damage to gear box, and undercarriage damage.

Labour Cost

Labour costs for repairing or replacing damaged components of engine or gearbox can vary based on the work involved and other factors. However, for extensive repairs, the total labour costs can be substantial. Also, the cost is covered only if the damage caused is due to water ingression, leakage of lubricating oil, damage to gear box, and undercarriage damage.

Water Inundation Claims

Any claim where water inundation is not proved in case of water ingression related loss will not be covered. This generally includes evidence such as photographs, repair estimates, and reports from authorized service centers.  

Damage Due to Wear and Tear

The add-on does not cover damage caused by normal wear and tear. For instance, if the engine fails because of old age or lack of maintenance, it will not be covered under the insurance policy.

Damages Covered Under Manufacturer's Warranty

This car insurance add-on will not cover the damage to the engine or gearbox if it is already covered under the manufacturer's warranty.