Engine protection is an add on cover in car insurance policy which you can take by paying an additional premium. It basically covers the consequential loss of your car engine. Your comprehensive policy is not sufficient to protect any consequential loss because it comes under the exclusion.
Now question is that does the damage of engine cover in basic comprehensive policy or not? Accidental damage of your car engine is covered in basic comprehensive policy but not covered its consequential loss.
For example, if you are going somewhere and you got stuck in a flood area. Your car engine stopped in the waterlogged area and you tried to start your car.
Due to restarting the car its engine gets ceased. The situation of damage is called a hydrostatic lock. This situation is called consequential loss of engine. Because your engine was not damaged due to flood however it damaged due to starting the engine in waterlogged condition.
Benefits and Coverage
Engine protection Add on to provide the coverage against consequential loss which may occur due to leakage of lubricant oil and water ingression. It covers engine, its parts and damage to gearbox etc.
Your insurance company may cover following
In monsoon season the many roads are full of water and the engine may get some problems due to water. It is better to have an engine protection cover because you may not avoid this kind of situation.
Importance of Engine Protection Cover
Engine is a crucial and most expensive part of the car. Without the engine, it is like a human being without a brain. You can’t avoid monsoon and any flood-like situation on the roads in India. We can face a waterlogged situation anywhere in the rainy season.
If we get stuck in any waterlogged situation and car get stopped. It is in our nature to try to restart the car. Very rare people can avoid to restart the engine.
Let’s have more understanding with the below example. In this case he didn’t have engine add on cover.
Mr. Shailendra purchases a new car with a basic comprehensive insurance policy and after six months he went for a visit somewhere. He parked his car in a parking. When he came back after some time he saw that the area was full of flood due to heavy rain.
His car was in the depth of water. He tried to start the car in the waterlogged area and the engine got ceased.
He filled the claim of Rs. 100000 but the company rejected the claim. Why so? Because in the situation there was a consequential loss. Damage was not due to flood however it was due to starting the engine in the waterlogged area.
Now you see that if you don’t have engine protect cover then you can face big financial loss in some situation.
This example is not conclusive in nature. The actual amount may differ. I have not considered other factors also so that it can be simple to understand.
How it is Decided that damage was due to Consequential Situation?
Yes of course, this kind of situation is a very complicated one. It is not easy to judge that engine damage is due to flood or by starting the engine in flood.
To establish the exact reason insurance company, deploy expert of the automobile. They check the engine and finalize the reason.
Who Should take Engine Cover?
Commonly everyone should take engine protection cover at least three years. However, there are some cases where engine protection cover required much more. The following are situations where you must have an engine protection cover.
New Car: Who are purchasing new car
Living in Flood Prone Area
If Want Maximum Coverage
Prevention is Better than Cure
You can face natural calamities like floods or any waterlogged conditions in India anytime. I will advise you that please do not try to activate the ignition when stuck in any flood-like situation.
Here ignition means that do not try to start the engine. There is so much possibility that water damage the engine of the car.
Engine protection cover is not so much costly so, you should add this in your insurance policy. However premium of engine cover may vary company to company. There are many insurers which are providing engine protection cover.
What is the Car Age Limit to Avail Engine Protect?
Insurance companies usually provide this add on up to three years of the car. Some companies may be providing you up to five years.
You can take this cover at the time of purchasing a car insurance policy or at the time of renewal only.
Term and Conditions may vary from insurance company to company. Please read all exclusion, terms and conditions of your insurance policy. Always intimate the claim on time to your insurer.