Water ingression, leakage of lubricating oil, etc. can damage your car’s engine. Engine damages are not covered under a comprehensive policy. But with the help of an Engine protection add-on cover you can enhance your coverage and stay financially covered.
Engine Protection Add-on Cover FAQs
1) On August 29, 2017, in Mumbai, my car was stuck in a water-logged area, which has damaged the car's engine severely. Unable to start my car. Is this covered under the engine protection cover?
Yes, it is covered under the scope of engine protection add-on cover. Floods are considered as a genuine and a valid reason for a car insurance claim. Any damage to the vehicle engine or the parts of the engine due to the water ingression is covered.
2) Who should buy engine protection add-on cover?
Many areas are prone to water logging and car owners face a lot of problems during the monsoon. And if you reside along or nearby such areas, it is advisable to opt for this cover without a question. Moreover, if you own a high end expensive car, then definitely you must go for an engine protection cover. However, if your car is too old, or if you own a second-hand car, then this may not be a suitable option for you.
3) What is Hydrostatic lock and how it benefits if one has an engine protection add-on cover?
If the engine is in a moist condition or if it comes in contact with water, it prevents the engine from starting. Excessive and repetitive cranking attempts can cause considerable damage to the parts of the engine - cylinder wall, piston, connecting rod, etc. Consequentially, leading to repair or even complete replacement of the engine and its parts.
Hydrostatic lock is not a damage caused directly due to the water ingression, but rather due to the repetitive attempts to start a car when the engine is in moist condition or in contact with water. Therefore, it is not covered under a comprehensive policy. And this is where an engine protection add-on cover helps. An engine protection add-on covers hydrostatic lock. However, please note, that an attempt to start a car when submerged in water is not covered.
Protect your car's engine, protect your car's heart!