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Engine Protection

Know all about engine protection cover in car insurance:

Your car’s engine is not covered by a comprehensive car insurance policy. The engine protect cover passes on the liability of paying for the damages to your engine on your insurance company.


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Claim for engine damage with just a Comprehensive Insurance policy

Your car insurance will not cover for the repair or replacement costs for the engine.

For example:

For a standard hatchback, repair or replacements of engine parts like crankshaft, piston and pins, block assy cylinder and head assy cylinder etc, can cost you a hefty Rs. 1,05,000 or more. This is exclusive of the metal and plastic part costs which could be an additional Rs. 20,000. With just a comprehensive car insurance policy, you’d have to pay the entire engine repair costs and a part of metal and plastic parts.

Your insurance company settles the entire amount for engine repairs or replacement.

Remember: Most insurance companies offer this add-on cover for only cars under 5 years of age. One can’t make more than 2 claims in one policy year under this add-on cover. Also, if your engine was damaged not directly in the accident but in a subsequent event, say an oil leakage, your insurance company wouldn’t pay for the engine repairs.

Engine protect cover works best when combined with a zero-depreciation add-on to your comprehensive car insurance policy. Like this your insurance company will pay for the engine repairs as well as the cost of depreciated parts.

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Add-ons For Your Car Insurance

Choose The Right IDV
This add-on is for the repair or replacement expenses of plastic, rubber, glass, and other materials that standard policies would otherwise not cover.
Avail No Claim Bonus
This add-on provides a discounted premium on your no-claim bonus year-on-year, even after claiming during the policy period.
Install security devices
This add-on is for the times when the monsoons are at their destructive worst, and leave your car's engine vulnerable to flooding.
Become AAI Member
This add-on helps you recover as much as the car's on-road price or Insured Declared Value in total loss (such as theft or a terrible accident).

Its Simple and Instant

Its Simple and Instant

Frequently Asked Questions

  • Q. What is covered in engine protection cover in car insurance?
    • In short, engine protection cover in car insurance provides coverage for any damages to the car's engine or/and its parts due to incidents of water ingression, leakage of lubricant oil, damage to the hydrostatic lock, damages to the engine parts, like the gearbox, crankshaft, connecting rods, cylinder, pistons, etc.

  • Q. Do I need engine protection in car insurance?
    • An engine protection cover in car insurance makes you financially protected against any repair cost in the occurrence of a damaged engine and/or its parts. As such, engine damages are not covered under your standard comprehensive policy, this add-on is a must-have, especially if you stay in a flood-prone area.

  • Q. Is it worth getting comprehensive car insurance?
    • The answer depends on your wheels, but a recommended rule of thumb is: until the amount of your annual premium and excess outweigh that of your car, it is still good for you to keep your comprehensive policy.