Engine Protection Cover: A Must-Have for New Bike Owners

Posted on: Jun 4, 2024 | 3 mins | Written by: HDFC ERGO Team

Engine Protection Cover: A Must-Have for New Bike Owners

When it comes to buying a new bike, everyone does a detailed analysis of bikes before choosing the one right for them. Most people look for power and distinct features on a bike. However, an engine is always common in any bike for one reason. No matter how big or small the engine is, the repair cost of bike engines always touches the sky.

Yes, engine repair is really very costly, and it's also not covered by the insurer, even in comprehensive insurance. So, if you live in a flood-prone area where engines are always at high risk, or your engine gets damaged for any other reason, doesn't it mean you'll have to bear all the cost? If you don't have the engine protection cover add-on, yes, but if you do have it, you don't need to spend a penny. It's one of the best add-ons for new bike owners, which you'll also understand after reading this blog.

What is an Engine Protection Cover?

Let's first understand what an engine protection cover is. As its name suggests, it protects your bike's engine in case of damage. But why do you need it? The answer is that even if you have comprehensive bike insurance, the insurance doesn't cover the cost of engine repairs or replacement. Yes, so any damage to your engine due to water ingression, oil leakage, coolant leakage, etc., will be borne by the owner.

But if you get the engine protection cover added to your insurance, the insurance will also reimburse the engine repair or replacement cost. Moreover, the engine repair and replacement cost can be very high, costing tens of thousands of rupees. So, you should not think that you can handle the cost on your own; it may not be a wiser decision. Engine repairs are complex or sometimes impossible because of how they are built. Also, without an engine, your bike will become a bicycle without paddles. Simply put, an engine protection add-on is one of the best add-ons to your insurance policy. But if you still doubt it, let's look at the benefits of an engine protection cover in detail.

What are the benefits of an engine protection cover add-on?

Here are some benefits of an engineer protection add-on, making it a must for your new bike.

Extra protection for your new bike

When you buy a new bike, a single scratch feels like a big breakdown, so you always want to get rid of even a single scratch. However, a scratch doesn't affect the functionality of your bike, but an engine breakdown does. Since this damage will not be covered by comprehensive or third party bike insurance, you will have to deal with it yourself. So, an engine protection cover simply enhances the protection cover for your bike's most important part.

Financial aid for you

As we just discussed, not having an engine protection add-on transfers all your costs. And if it happens right after you buy the bike, like a month after, then it can be a financial headache. For people who live in a flood-prone area, this is not uncommon. Hence, with this add-on, you can safeguard yourself and your savings from being spent on unwanted expenses.

Faster and efficient repairs

If you opt for cashless settlement for your insurance and add-on, it will be faster and more efficient. The reason is that the insurance companies have a network of garages verified for their parts and work ethics for cashless settlement. So, you will get your bike's engine repaired by professionals. Also, with a cashless claim, you will not have to manage funds first and then get a reimbursement.

Maintains the longevity of the bike

Damage to your engine and not getting it repaired from a trusted place can affect the longevity of your bike. When people don't have a cover for their engines, they mostly get their engines repaired by local workshops. Since the engine is a complex and important part of the bike, unprofessionalism can make your bike useless even before its expiry date.

What does the engine protection add-on cover?

Here are the inclusions of an engine protection add-on:

• Water ingression:

If your bike's engine is damaged due to water ingression, which is quite common in flood-prone areas, the insurer will repair or replace it.

• Oil leakage:

Any kind of oil, lubricant or coolant leakage is also covered in this add-on.

• Accidental damage:

If your bike gets into an accident and the engine is damaged, the insurance company will cover the repair cost.

• Engine Failure:

If your engine stops working for any major reason, the add-on will also cover it.

What does the engine protection add-on not cover?

Here are the exclusions of the engine protection add-on:

• Illegal driving:

If the damage to the engine has come to a state where you were not good or legal to drive, then the add-on will not give you the repair cost. For example, if you were drunk or not carrying valid documents, not having insurance, doing rash driving or racing, etc.

• Consumables:

If the engine oil or lubricant is flushed from the engine, the add-on will not cover the cost.

• Manufacturer Warranty:

If the engine is already covered by the manufacturer's warranty, you can't claim the cost of repair or replacement.

Wrapping Up

To sum up, an engine protection add-on in bike insurance provides protection against any major damage to your engine. For those who have bought a new bike, an engine protection add-on can be a must-have. Moreover, if you live in a flood-prone area, then it sort of becomes necessary. However, you must know that you should have comprehensive bike insurance. You can avail of engine protection cover in bike insurance if it doesn't have its own damage cover. So, if you also want to get bike insurance for your new bike and an engine protection add-on, click here and explore plans by HDFC Ergo.

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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