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Understanding the Importance of Engine Protection Cover in Car Insurance: Coverage, Benefits, and Exclusions Explained

Engine Protection in Car Insurance

The only repairs your automobile may need after an accident are covered by a normal comprehensive auto insurance policy. Consequential harm to the Engine, however, is not protected.

However, you can improve the coverage by adding the Engine Protection Cover to cover these.

The Engine Protect add-on pays for repairs or replacements for internal engine, gearbox, and differential assembly damages resulting from water intrusion, hydrostatic lock failure, or coolant/lubricating oil leaks caused by the insured vehicle’s accident.

It is a good idea to look into additional coverages when considering purchasing auto insurance, since they may be quite beneficial.

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

Engine protection cover, available as an add-on to the Comprehensive auto insurance policy, guards against losses or damages to the insured vehicle’s engine brought on by an accident.

The add-on covers the cost of having the engine or other parts of your car repaired or replaced.

This may be the result of hydrostatic lock, which is brought on when you start a damp engine, lubricating oil leaks, water intrusion, damage to parts like the gearbox, pistons, connecting rods, etc.

Typical Situation:

The monsoon season can be erratic at times and can seriously harm a car’s engine if water gets inside.

Engine part replacement or repair could be very expensive.

Since the engine and its parts are not covered by standard comprehensive auto insurance, the Engine Protection Cover can help you in these kinds of circumstances.

How Does It Operate?

Here’s an illustration of how the Engine Protection (EP) add-on functions in auto insurance to help you understand how it works:

Let’s say you are visiting your hometown for a vacation or an event and have left your house closed because of a severe downpour.

Your neighbor calls to let you know that your automobile has sunk in the storm and that moisture has entered your home. In this situation, water intrusion is inevitable.

Engine components like pistons, connecting rods, gearbox components, etc. can be repaired or replaced for roughly Rs. 1,20,000.

These parts are not covered by a basic comprehensive policy, therefore you will have to pay for them out of pocket.

However, you might have avoided paying out of pocket if you had purchased the Engine Protection Add-on for a marginally higher cost.

Based on the additional coverage, the insurance company will pay the difference.

Is Engine Failure Covered by Auto Insurance?

Depending on the car’s model, the cost of the engine protection add-on is typically around 2% of the vehicle’s current market value.

You can save a lot of money by having the insurance company pay for the engine repair as the engine is covered by the supplementary policy.

How Can I Get Add-On Engine Protection?

A car engine protection add-on can be purchased in addition to comprehensive auto insurance. This is not included in the typical comprehensive policy; rather, it is provided as extra coverage.

The methods to purchase Engine Protect Cover as an extra perk via the internet method are listed below:

  1. Go to the website or mobile app of the auto insurance provider.
  2. Choose to purchase or renew full-coverage auto insurance.
  3. If an option to integrate add-ons like Engine Protection appears, click it.
  4. After making the premium payment, you will receive an instant policy via email.

Features and Advantages of the Car Engine Protection Cover:

The Engine Protection Cover offers special features and advantages beyond the standard complete coverage.

The insurance provider will pay for costs incurred in replacing or repairing damaged engine parts, up to the maximum sum mentioned in the policy.

The attributes and advantages of the Car Engine Protection Add-on are listed below:

  • Damage resulting from an internal engine lubricant leak is covered.
  • Damages brought on by water getting into the vehicle’s engine.
  • Physical harm to the gearbox, pistons, connecting rods, and other engine parts.
  • Damages resulting from an attempt to start the vehicle after water has entered the engine due to a hydrostatic lock.
  • Advantageous, particularly in the event of flooding, natural disasters, and monsoons, etc.
  • Additionally, since the cost of engine maintenance or part replacement might be high, it is advantageous if you recently purchased a new or expensive vehicle.

Exclusion of Engine Protection Add-on:

The Engine Protection Cover add-on has certain exclusions, just like any other insurance policy. Continue reading to learn what the Engine Protection Cover Add-on does not cover:

  1. Press the Engine into Motion: It’s likely that water got into the engine when the car was buried in the lake. Avoid using excessive force to start the engine as this may result in the claim being denied.
  2. Adverse Effects: If the insured vehicle is driven following an accident, the policy will not pay for any resulting losses or consequential damages. In such cases, insurers typically deny the claim.
  3. Restricted Liabilities: The policyholder is limited to two claims against the Engine Protection Add-on throughout the policy year. There is a limited validity period for this add-on.
  4. Age Restrictions for Cars: Cars that are more than 5 years old are not eligible for the add-on. Therefore, it is restricted to cars that are no older than five years.

An Add-On Engine Protection May Be Perfect for You:

When should you purchase comprehensive auto insurance in addition to engine protection coverage? For you, this add-on is a great addition:

  • If your area is prone to flooding.
  • If you drive a luxury vehicle.
  • If a new car was purchased.
  • If you’d rather take precautions and not leave anything up to chance.
  • If you’re also searching for that spare engine cover.

Please be aware that different insurance companies offer different coverage. Before choosing to accept the terms and conditions, it is imperative that you thoroughly read them.

Add-ons for the Private Car Package Policy: Engine Protection

The cost of replacing or repairing engine components, such as the gearbox, pistons, connecting rods, etc., will be covered by the insurance company.

Private vehicles are likewise subject to certain exemptions, though. Here are the specifics:


  • Damage brought on by typical wear and tear.
  • Failing to notify the insurance provider.
  • If it is discovered that the driver is operating the insured car while impaired by drugs or alcohol.
  • If it was discovered that the driver lacked a driver’s license or had an invalid one.
  • If illicit racing was the cause of the damage.
  • Any claims that fall under the purview of warranties that include recall campaigns or other insurance plans with other providers.
  • Cost of lubricants in the event that an engine leak causes damage.
  • Any repairs made without notifying the insurance provider won’t be taken into broken

Policy for Commercial Vehicle Package – Optional: Engine Protection

Additionally available for commercial vehicles is the Engine Protection add-on. The following are the add-on’s exclusions for autos or commercial cars:


  • Damage brought on by normal wear and tear.
  • Replacement or repair work is completed without notifying the insurance provider.
  • Damage to the engine or any of its parts sustained while operating a vehicle while intoxicated with alcohol or another drug.
  • Damages resulting from an accident in which it is discovered the driver is underage.
  • Damages resulting from an accident in which the driver’s license is invalid.
  • Losses, damages, or corrosion brought on by water intrusion because of a delay in notifying the insurance provider.
  • Any claims covered by a recall program or the warranty period specified by the automaker.
  • Lubricating costs in the event that a consumable leaks or needs to be flushed.
  • Any repairs made without first notifying the insurance provider.

How Do I File an Engine Protection Add-On Claim on My Auto Insurance?

The procedure for filing a claim for comprehensive auto insurance is comparable to filing a claim for engine repair or replacement.

You can file a claim for engine protection coverage with your vehicle insurance by doing the following steps:

  1. Report any losses or damages to the engine components of your vehicle to your insurance provider.
  2. In order to pay the claim, the insurance company will designate a surveyor to evaluate the damage.
  3. You are eligible for a refund of the repair bill for the replacement or repair of engine components, including the gearbox, connecting rods, and pistons.

Who Needs to Purchase the Add-On Cover for Engine Protection?

An addition to your standard comprehensive auto insurance policy is an engine protection add-on. Here are some explanations on why you should purchase the add-on cover, given that it is an exclusive cover:

  • If there is a danger of flooding and you live or work in a flood-prone location.
  • The cost of repairing or replacing the engine components is high if you purchased a new automobile or an expensive luxury vehicle.
  • The engine protection cover adds an additional layer of protection to the basic auto insurance policy, so you can steer clear of financial hazards and take no chances.

Typical Reasons for Vehicle Engine Failure

  • Low level of engine oil
  • Engine overheating
  • Water seepage

Tips for Maintaining Car Engines

Taking care of your car and preventing unintentional loss or damage is always wise. Here are some pointers for maintaining the best possible condition of your car’s engine:

  • Regularly check the oil level in your car to prevent unintentional harm to the engine’s internal parts.
  • Make sure to update parts like air filters as needed and don’t skip scheduled auto maintenance. This will guarantee that the engine in your automobile is operating properly at all times.
  • It is not advisable to overheat or accelerate the engine as this could result in irreversible damage to its components and shorten its lifespan.

Frequently Asked Questions (FAQs) about Engine Protection Cover in Car Insurance:

  1. What is Engine Protection Cover, and why should I consider adding it to my auto insurance policy?

    Engine Protection Cover is an add-on to comprehensive auto insurance that safeguards against losses or damages to the vehicle’s engine caused by accidents. It is advisable to consider this add-on, especially if you live in flood-prone areas, drive a new or expensive vehicle, or want an additional layer of protection beyond standard coverage.

  2. What damages are covered by the Engine Protection Cover?

    The Engine Protection Cover typically covers damages resulting from water intrusion, hydrostatic lock failure, coolant/lubricating oil leaks caused by accidents, and other internal engine, gearbox, and differential assembly damages.

  3. How does the Engine Protection Add-on operate in a real-life scenario?

    In the event of, for example, water damage to the engine during a flood, the Engine Protection Add-on covers the repair or replacement costs for engine components like pistons, connecting rods, and gearbox. Without this add-on, these costs might not be covered by a standard comprehensive policy.

  4. Can I purchase the Engine Protection Cover online?

    Yes, you can purchase the Engine Protection Cover online as an add-on to your comprehensive auto insurance policy. Simply visit the website or mobile app of your insurance provider, choose to purchase or renew full-coverage auto insurance, and select the option to integrate add-ons like Engine Protection during the process.

  5. Are there any exclusions to the Engine Protection Add-on?

    Yes, there are exclusions to the Engine Protection Add-on. Some common exclusions include damage caused by normal wear and tear, failure to notify the insurance provider before repairs, damages due to driving under the influence, damages resulting from racing, and limitations on the number of claims allowed during the policy year.

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