A Comprehensive Guide to Engine Protect Cover: How It Can Be Your Financial Shield Against Unforeseen Engine Damages

Posted on: May 30, 2024 | 3 mins | Written by: HDFC ERGO Team

A Comprehensive Guide to Engine Protect Cover: How It Can Be Your Financial Shield Against Unforeseen Engine Damages

We understand how desperately you want to keep your bikes in top-notch condition. But are you focusing on the core of your motorcycle? It’s the engine! Your bike’s engine can cause serious trouble if not appropriately shielded.

You may have bought a decent bike insurance policy already, but it may not cover serious situations involving your bike’s engine. That’s where the discussion begins about engine protect cover.

Getting to Know Engine Protection Add-on Cover

Engines are generally among the toughest parts of your bike. They know how to fight everyday adversities. But what about the extraordinary ones? Water lodging due to flood or lubricating oil leakage into engine parts can wreak havoc. These damages are generally the worst ones that can burn a hole in your pocket.

It is precisely where the engine protection cover changes the game. It is not another costly insurance policy. You can take it as an additional benefit to your existing policy. In return for a little extra premium, your insurer will cover all unforeseen damages to your bike’s engine.

What are these unforeseen events? Well, that’s where the discussion is proceeding!

Things This Add-on Covers

Before you buy a third party bike insurance with engine cover or raise a claim for it, it’s best to know in detail what you are getting in exchange for that little extra premium-

• Protection from Water Damage:

It shields your engine from water woes during floods or heavy downpours.

• Coverage for Oil Leaks:

It keeps your engine running smoothly by covering damages from oil or lubricant leaks. It can ruin your bike’s engine and a well-planned day without any precautionary alert.

• Preventing Hydrostatic Lock:

It protects your engine against malfunctions due to hydrostatic lock.

• Engine Not Starting:

Water ingestion can prevent your engine from roaring again! But your add-on cover will have your back.

What’s Not Covered

Knowing what’s covered is always exciting. But you should also list situations not covered under the add-on! Here are those issues that don’t have a solution from the insurer’s end -

• Wear and Tear:

Your insurer might not cover your engine’s natural ageing process. So, any claim to repair it might not help you financially!

• No Coverage for Reckless Behaviour:

If you ride under the influence of intoxicating substances or participate in illegal races, you’re on your own. The insurer can reject the claim.

• Late Reporting:

Timely reporting is vital. Delayed reporting might lead to the rejection of your claim. Every reputed insurer, such as HDFC ERGO, mentions this time in their policy documents. Check once for your convenience.

• Check Your Warranty:

Some claims might already be covered by your bike’s warranty. In that case, your insurer will request you claim the warranty instead.

• Delayed Recovery:

A delayed bike recovery from a water-logged area can further damage the engine. This situation is also excluded from the coverage list.

• Cost of Lubricant:

If the damage is due to lubricating oils, you can’t collect the price of this oil from a successful claim.

• Unauthorised Repair:

If you repair or replace the engine parts before notifying the insurer.

Perks of Engine Protect Cover

Alright, let’s talk about the benefits! What makes it worth including in Comprehensive bike insurance policy? Here are some perks:

• Peace of Mind:

This engine protect cover also covers damage to the bike’s gearbox. We all know how vital it is to run your bike at its best. You get comprehensive care for your bike’s engine components.

• Save Your Wallet:

Damage to the engine components can quickly become financially frightening. This add-on cover is of excellent value for safeguarding your wallet.

• Budget-Friendly:

This added benefit doesn’t require changing your policy or buying a completely new one. You can add it in exchange for a nominal increase in the premium of the existing policy.

Who Needs This Add-on?

Let’s understand the requirements of engine protection cover in bike insurance -

• For Flood-Prone Areas:

This is a must-have if you live in an area prone to floods or heavy rains.

• New Bike Owners:

Protect your shiny new ride from day one. The engine is the heart of your two-wheeler, so safeguarding it from the start is wise.

• Constant worries:

Are you always stressing about engine mishaps? If your engine repair costs are too high, opt for this add-on benefit for financial security.

How to Make a Claim for an Engine Protect Cover

Let’s talk process. Claiming the engine protection add-on is a breeze:

1. Report ASAP:

Don’t wait around! Let your insurer know about any damage pronto.

2. Assessment Time:

Sit tight as a surveyor checks the damage.

3. Reimbursement:

Your repair costs will be transferred to you once assessed.

Parting Thoughts

So, we have come to an end! In short, the engine protection cover is the hero your bike needs. From shielding against water damage to providing financial security, it’s a no-brainer for any rider. So, before you hit the road, ensure your ride is protected from unexpected bumps. After all, a happy engine equals a happy journey!

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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