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icon Car Insurance icon Add Ons icon Engine Protect Cover
  • Overview
  • How it Works
  • Benefits
  • Types of Policy
  • Addons
  • Inclusions
  • Exclusions
  • How to Buy
  • Importance
  • Why Protect Engine
  • Frequent Questions

Engine Protection Cover in Car Insurance

What is Engine Protect Cover in Car Insurance?

  • Add-on Cover – Engine protection cover is purchased as an extra cover & comes with a comprehensive or standalone own damage insurance plan.
  • Damage Cover – Engine protection cover in car insurance offers payment in case of losses or damages sustained by your car’s engine.

How Does Engine Protection Cover in Car Insurance Work?

  • Engine Repairing – This add-on rider pays for expenses related to your car engine’s repair.
  • Part Replacement – This add-on rider also pays for costs involving replacement of engine parts.
  • Various Parts – Compensates for connecting rods, hydrostatic lock, pistons, gearbox, damaged components & oil leakage.

Benefits of Purchasing Engine Protection Cover in Car Insurance

  • Oil Leakages – This cover pays for damages caused by the leaking of lubricating oil situated inside your car’s engine.
  • Water Damage - Damages or losses resulting because of water entering your car’s engine are also covered.
  • Component Damage – Any physical damage to engine’s components like connecting rods, pistons & gearbox is covered.
  • Lock Damage – Hydrostatic lock damages while starting your car after water entering the engine is also covered.
  • Natural Calamities – This add-on compensates for engine damages due to natural calamities, floods & water logging during monsoons.
  • New Car Damages – This add-on becomes a boon especially when you have a new car that’s expensive & you need replacement or repair of engine parts.
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Types of Car Insurance Policy

third party car insurance

Third Party

This type of car insurance provides coverage to third party life and property and does not cover the insured vehicle

comprehensive car insurance

Comprehensive

This type of car insurance provides coverage to your vehicle as well as third party and property

standalone own damage car insurance

Standalone / Own Damage

This type of insurance provides coverage for your car’s damages and losses including events caused due to man made, natural calamities, and theft.

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Addons for Car Insurance

subtitle
No Claim Bonus

No Claim Bonus

No claim bonus is retained despite making multiple claims in one policy year.
Zero Depreciation

Zero Depreciation

Depreciation on parts made up of glass, plastic, rubber, nylon, etc. is is not taken into consideration at the time of claim.
Roadside Assistance

Roadside Assistance

Also known as breakdown cover, roadside assistance cover provides you with assistance like towing service, minor repair, spare key arrangements, etc.
Personal Accident Cover

Personal Accident Cover

This type of cover provides compensation up to Rs. 15 lakh in case the owner-driver dies, becomes disable or is injured due to an accident.
Engine Protection Cover

Engine Protection Cover

Provides coverage in case of loss or damages caused to the engine due to issues such as water ingression, oil spill, etc.
Daily Allowance Cover

Daily Allowance Cover

In case the insured’s car is damaged and is being repaired at a garage, then this type of cover provides travel allowance to take care of day to day expenses
Consumable Cover

Consumable Cover

A regular car insurance policy does not provide coverage for cost of consumables such as oil, nuts and bolts, lubricants, etc. But with this type of add-on such costs are covered.
Accessories Cover

Accessories Cover

With this add-on, you get coverage for car accessories such as vacuum cleaner, anti-theft device, battery charger, fire extinguisher, etc.
Passenger Cover

Passenger Cover

In case if the passengers traveling in the car get injured then this cover provides coverage for cost of hospitalization, ambulance charges, etc.
Invoice Cover

Invoice Cover

In the event of total loss, constructive loss or theft of the car, return to invoice cover provides the car owner up to the amount mentioned in the invoice.
Key Replacement Cover

Key Replacement Cover

This add on provides coverage for expenses arising from replacing the keys of the insured car.
Loss of Personal Belonging

Loss of Personal Belongings

With Loss of personal belongings Cover, your insurer will pay for any type of damages or losses to most of your personal belongings kept in the car.
Paid Driver Cover

Paid Driver Cover

Paid Driver Cover is quite helpful when you have an employed driver as it pays for any injuries caused to your driver in case of an accident.
Tyre Damage Cover

Tyre Damage Cover

Tyre Damage Cover comes in handy and provides a great deal of assistance in case of a flat tire while you are traveling.
RIM Damage Cover

RIM Damage Cover

Any warping or damages caused to rim is covered when you have purchased the Rim Damage Cover Add-on.
Voluntary Deductible

Voluntary Deductible

A Voluntary Deductible refers to a precise portion of the claim money that the policyholder agrees to pay out of his own pocket. This makes premium cheaper.

What is Covered in Engine Protection Cover?

  • Engine Parts - Damages caused to various engine parts resulting from water ingression.
  • Oil Leakages - Damages caused to the car’s engine & its parts resulting from lubricating oil’s leakage.
  • Gearbox - Physical damages sustained by the car’s gearbox & any other differential components.
  • Engine Failure – Car’s engine failure while attempting to start the car while the engine’s still wet.

What's Not Covered under MG Hector Insurance?

Car’s older than 5 yrs.
More than 2 claims/year
Accidental damages
Damages while starting car in water
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How to Buy Engine Protection Cover Online at Coverfox?

  • 1 Enter Car Details
    Log on to the official website of your insurance company or the official mobile application.
  • 2 Compare & Select Right Plan
    Choose the option whether you’d like to either purchase or renew the suitable comprehensive car plan.
  • 3 Add Additional Covers
    You will automatically get a notification to include various add-ons. In these add-ons, select the Engine Protection Cover.
  • 4 Make Online Payment
    Make the premium payment & check your email where you’ll receive your insurance policy instantly.

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Why is it Important to Buy Engine Protect Add-On Cover?

  • Financial Risks – The engine protection add-on cover adds an extra layer of protection to your standard plan saving you a lot of money on engine repairs in the long-run.
  • Flood Risks – Engine protection cover is highly recommended for people living in waterlogging or flood-prone areas, which damage the engine.
  • Repair Expenses – If you’re someone who has purchased a new expensive car, the engine repair & replacement process becomes an expensive affair which is covered by this add-on.
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Why Should You Protect Your Car’s Engine?

  • Most Expensive - The most expensive aspect of your car is its engine. Hence, protecting it through the add-on cover is highly essential to avoid unnecessary heavy financial losses in the future.
  • Component Losses - Components of your engine are also subject to several losses & damages due to unexpected events. Hence, an engine protect add-on acts as a guard in these situations.

Frequently Asked Questions

  • Is the Engine Protect add-on available with a third party car insurance plan?

    • No. Engine protect add-on is only available with comprehensive or standalone own-damage insurance plans.

  • When can I opt for the Engine Protect Cover?

    • Add-ons should be bought right at the time when you buy the policy. Many insurers don’t allow buying add-on while you are in between the policy year.

  • Is damage caused due to oil leakage covered under Engine Protect?

    • Yes, it is covered when you buy the engine protection add-on cover.

  • Does my standard comprehensive car insurance plan cover damages incurred by my car’s engine?

    • No, these damages will only be covered if you have purchased a car engine protection add-on

  • Can I add other add-ons also along with the Engine Protect Cover to my car insurance plan?

    • Yes, a policyholder while buying the policy can buy as many add-ons as they wish under a standalone own-damage or comprehensive car plan.

  • How can I file a claim for a car insurance engine protect cover?

    • 1. Contact the insurance company & let them know about the engine part or parts’ damages.
      2. The insurer will send a surveyor executive so evaluate the damages for claim settlement.
      3. After the evaluation, if the claim is approved the reimbursement amount will be paid to the policyholder.

  • Is my car’s engine covered under the regular car insurance plan?

    • No, you have to either have a comprehensive plan or a standalone own damage plan in which you should have purchased the engine protection add-on so that your car’s engine damages are covered.

  • Is engine protection cover for your car insurance important?

    • Yes, it keeps you from bearing heavy financial losses pertaining to your engine damages in the long-run.

  • Does car insurance cover engine failure?

    • Any damages to the engine resulting from wear & tear and even mechanical failure is generally not covered.

  • What happens if water enters the car engine?

    • It results in compression problems as the water has no place to go. Piston roads will eventually be damaged.

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