Engine Protection Cover in Car Insurance

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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

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Engine and Gearbox Protection Add-on in Car Insurance & How it Works?

engine and gearbox protection

What is Engine Protect Add-on Cover in Car Insurance?

Engine and gearbox protection cover in car insurance is an add-on that provides enhanced coverage to the insured car’s engine and gearbox against damage occurred due to engine malfunction, lubricating oil leakage, ingression of water, hydrostatic lock, etc.  

Since damage to the engine and gearbox is not covered in a standard car insurance policy, you need comprehensive policy or own damage car insurance with engine protection add-on. This is because any damage to the engine or gearbox usually gets classified under consequential damage, or a damage that is not directly a result of an unfortunate incident.

To repair or replace any of these components can cost enough to give you a heart attack! Well, not literally, but we guess you get the point😊! Basically, this car insurance add-on helps you get out of such situations without burning a hole in your pocket!

The engine protect cover in car insurance is especially useful for you if you live in areas prone to flooding or heavy rainfall. 

Meaning of Engine Protection Car Insurance Add-On

Why Should You Buy Engine Protect Add-on Cover?

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.

How Does It Work?

What’s Covered in Engine Protection Car Insurance Add-on?

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.

What's Not Covered in Engine Protection Car Insurance Add-on?

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.  

buying engine and protection add-on cover

Things to Remember Before Buying Engine and Protection Add-on Cover

  • The engine and gearbox protection cover is not available for cars older than 5 years. 
  • This add-on can only be purchased with comprehensive or own damage car insurance plans. You cannot avail of engine protection cover benefits if you have only a third-party car insurance policy. 
  • This car insurance cover is an add-on with a standard policy, and hence available at an additional premium.
  • Usually, under the engine protection add-on cover, the insurer allows you to file up to two claims. However, confirm the same with your insurer as it may vary.
  • Also, the engine protection in insurance is applicable only in certain conditions and depends on the age, make, and model of the vehicle. So, check with your insurer about such specific conditions.

Who is It Perfect for?

People Living in Flood-Prone Areas

If you drive your car in flood-prone areas or work near water bodies, it increases the risk of water damage to your car’s engine and gearbox. This is because floods can cause severe damage to the engine, electrical systems, and interior of the car. In such a case, this add-on has got your back.

People Who Own Luxury Cars

Luxury cars often come with high-performance engines and gearboxes, whose repair/replacement costs are quite significant. Therefore, people owning such cars can benefit from having this add-on as it will protect them financially.

People Who Frequently Travel Long Distances

If you are a frequent traveller and often take your car for long distances, your car is prone to more wear and tear, increasing the probability of engine issues and accidents. So, having car insurance with this add-on will cover you on every ride and give you peace of mind.

FAQs about Engine Protection Add-on in Car Insurance

Manasvi Gupta

Written By

Manasvi Gupta

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Reviewed by:

Mayur Kacholiya