A normal comprehensive auto insurance coverage only covers repairs to your vehicle in the event of an accident. Unfortunately, the resultant Engine damage is not covered. But these can be covered if you add Engine Protection Insurance to your policy.
Engine protection cover is an optional benefit on car insurance that may be added to a comprehensive policy. It is used to protect the engine of the covered vehicle from any damage or loss of parts or the engine as a whole. As a result, it is an efficient compensation to the repairing or replacing the car engine or its components.
Of course, the perks are accessible for an additional fee. Yet, it is well worth the cost. It will provide financial support in the event damage to your car engine owing to lubricant oil leakage, water ingression, and so on. The add-on cover also protects the car engine parts, such as the crankshaft, gearbox, pistons, and so on, from harm.
The car engine is incredibly expensive; thus, repairing it is very expensive. Furthermore, it can result in costly material and labor expenditures, which may be difficult to finance by self in the event of an unexpected disaster. Engine protection is so necessary because the engine is the most crucial component responsible for the overall operation of the vehicle.
Also, engine protection is not included as a provision of car insurance policies in India. It is only available as an add-on benefit with comprehensive car insurance, not as a standalone policy. It should be noted that this engine protection cover is not available for vehicles older than five years old.
The Engine Protect cover provides insurance coverage in the following situations:
Although the engine protect add-on cover is quite useful during the rainy season, it is vital to know that it has some limitations. Here are a few examples:
Together with comprehensive auto insurance, you can purchase car engine protection as an add-on. This is optional coverage that is not included in the regular comprehensive policy. The following are the steps to purchase Engine Protect Cover as an added benefit via the online method:
Step 1: Go to the website or mobile app of the vehicle insurance company.
Step 2: Choose whether to purchase or renew comprehensive auto insurance.
Step 3: If you are prompted to include add-ons such as Engine Protection, do so.
Step 4: Pay the premium amount and receive your policy by email immediately.
Engine Protect Add-on Cover is the most important add-on protection provided by the policyholder's car insurance carrier. The following are some of the extra-coverage benefits:
An engine protection add-on is a supplement to your standard comprehensive car insurance policy. Because it is a unique cover, here are a few reasons why you should purchase the add-on cover: