Engine Protection Cover Bike Insurance

In India, having bike insurance is compulsory. Additionally, bike insurance protects your bike as it pays for your bike damages as well as third party vehicle damages. Bike insurance also pays for your own injuries along with third party injuries. The best type of bike insurance you can purchase is a comprehensive insurance plan. A comprehensive bike insurance takes care of both, your own bike damage & injuries along with third party vehicle damages & their injuries.

Though comprehensive bike insurance takes care of everything, you still need to pay special attention to the engine. Maintaining engine health not only improves the life of the bike, but it also enhances its resale value.

This is where an “engine protection cover” rider proves to be beneficial. Let’s understand what exactly is an engine protection cover and what are its benefits?

The engine of the bike commonly gets damaged by water seepage that happens during the rainy season or waterlogging. This is pretty unavoidable in our country, so it makes sense to get a motorcycle engine cover protection. This apart, the engine also takes a beating when your bike gets involved in a road accident. There may be internal and external damage, all of which would require repairs. Get the engine protection cover to ensure you can keep your engine protected at all times.

Here are some of the beneficial features of this very handy bike insurance rider that you can buy in India:

Monetary Cover

The biggest benefit you get is that of financial coverage. The engine and its components are very expensive and repairing them can cost you a lot of money. When you have the engine protection cover, you can easily get the bike serviced as and when needed without worrying about financial constraints.

Cover to the Entire Engine

The engine cover rider comprehensively covers all the parts of the engine, including the all-important gearbox. The gearbox is very crucial to the smooth and safe functioning of the vehicle. This is why it requires constant servicing and repairs. Get the engine protection rider and you won't have to worry about paying for any repairs to the gearbox.

Easy and Inexpensive

The process to buy the rider is easy. You can simply mention it to the insurance provider when you buy the main policy. Also, the premium charged for it is low. You approximately pay a nominal additional premium amount for this cover. This is profitable, as the amount you pay is much lower compared to the engine repair costs.

These are some of the best advantages you get when you invest in the engine cover rider along with the two wheeler insurance plan.

Here’s a detailed look at how you can purchase this motorcycle insurance rider:

• Log in to our website - Visit the portal and choose a comprehensive bike insurance plan.
• Fill in the application form - Fill out the application form and enter details, including your name and the bike’s make and model number.
• Click on the rider option - You will get to choose from all the available riders. Choose the engine cover rider option by clicking on it.
• Pay the premium - Pay the premium of the plan, along with the add-on cover, and the bike insurance policy will instantly be issued to you.

If you wish to add this rider when you renew your bike insurance cover, you can easily do so by first clicking on the ‘choose rider’ option and then selecting the ‘engine protection rider’ option.

There are some important exclusions that you must be aware of. You can't get a claim when:

• The damage or repair was due to age-related wear and tear
• The damage to the engine was due to drunk riding
• The damage was caused because the bike was left in a flooded area for a long time
• The engine was repaired without the prior knowledge of the insurance provider
• A lot of time was taken to report the damage to the insurance provider

Read the clauses carefully so that you know exactly what is covered and what is excluded when you look to get the engine protection cover benefits.

Now that you know what an engine protection cover is, are you wondering if you really need it? Technically speaking, every bike owner can benefit from this rider, especially if you stay in a flood-prone area or a place that has an occurrence of waterlogging or ingression.

However, if your bike is brand new, you will surely have to get this rider, as keeping the engine intact for a long time is important. Then, if you live in a flood-prone area, the rider may be of great use to you. Consider the age, price, and geographical location and then decide whether or not this is a good option for you.