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Engine Protection Cover: The Best Add-On

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Riding your bike without valid bike insurance can land you in a lot of trouble. For starters, if there is any sort of mishap, the onus of paying for the damages from your pocket is on you. If you were to be caught by traffic police, you will end up paying hefty fines as well. And more importantly, it offers you complete peace of mind to let your bike out for a spin. One of the biggest perks of having a bike insurance policy is that you can customize it according to your needs. And to do so, you first need to get a comprehensive bike insurance policy. A comprehensive policy lets you add riders to enhance the coverage of the policy. And one of the riders that you should consider for your policy, is engine protection.

What is Engine Protection?

The engine is the heart of a vehicle and it needs protection. When it comes to a bike, the chances of engine damage due to water seepage is high given the common waterlogging and flooding during the rainy season. Also, in the event of an accident, your engine can take quite a beating. Thus, damaging it both internally and externally, which might need repairs. Thus, having an engine protection cover makes sense. The cover will ensure that your engine always has the right protection. And even if there is an issue, the policy will take care of the repairs. You opt for an engine protection add-on either with comprehensive insurance or with standalone insurance for own damage. In a nutshell, it covers all damages to the engine.

Coverage

Your bike and its engine have the policy coverage in the following conditions.

● Any damages to the engine due to water ingress in the engine, either due to flood or waterlogging.

● Failure of the engine when you attempt to start a wet engine.

● Any damages to the engine or its parts that is caused due to leakage of lubricating oils in the engine.

● Any sort of physical damages that the engine or its parts incur during an accident.

Exclusions

Though the engine protection cover offers you a lot of coverage, it does not cover all the possible scenarios. The following are some of the conditions that the engine protection add-on might not cover.

● Damages or loss caused to the insured bike if the same is involved in any illegal racing.

● Damages or loss caused to the insured bike if someone rides it without valid bike insurance.

● If you start repair on the bike before intimating the insurance provider, such claims will be rejected.

● Claims that are filed due to damages or loss due to regular wear and tear will most likely be rejected.

● Any loss or damage to the engine or gearbox or corrosion of the engine due to delay in informing the insurance provider.

● Any loss or damage to the bike if it is being ridden in an intoxicated state.

● Replacement of the engine.

● Repair or replacement of engine parts if there is a delay in retrieving a bike from a waterlogged area or flooded area.

● The cost of lubricants in the event of damages due to leakage of lubricants.

● Any claims that are made after the time frame set by the insurance provider.

Benefits of Engine Protection Cover

The following are some of the benefits of opting for an engine protection cover.

● Entire Engine Cover

Engine protection rider covers all parts of the engine, which also includes the gearbox. One cannot stress the importance of a gearbox enough, as it ensures the smooth functioning of the bike. The gearbox needs proper servicing and repairs to make sure the smooth functioning of the bike. With an engine protection cover, you no longer need to worry about damage to the gearbox.

● Monetary Benefits

The engine being the heart of the bike is expensive. Any damages to the engine or its components can set you back financially. However, with an engine protection cover, you can get them repaired without ever worrying about the finances.

● Inexpensive

Engine protection cover is an add-on and you need not buy separate insurance. You can simply inform your insurance provider about the need for an engine protection add-on and plug it into your existing policy by paying a nominal premium. The premium is inexpensive when you consider the expensive repair costs of the engine and its parts.

How to Buy Engine Protection Cover?

The process of buying an engine protection cover is fairly simple and straightforward. Here are the steps that you need to follow.

● Visit the website of an insurance aggregator or the website of an insurance provider from whom you wish to buy the bike insurance policy.

● You need to choose a comprehensive bike insurance policy on the website.

● You then need to fill out the application form for buying the bike insurance policy.

● This includes providing details such as bike make, model, registration number, etc.

● Next, you would need to select the engine protection rider. And as you select the rider, you can see its premium and how it impacts the overall premium for the policy.

● Once you are happy with the premiums, you can proceed to pay the premiums and secure the policy.

● The policy will be issued instantly to your registered email address.

Should You Buy One?

The above are all the details that you need to know about an engine protection cover. However, it still begs the fundamental question of whether or not you need the engine protection cover?

The simple answer is that all the bike owners can benefit from the rider. However, it is especially needed if you live in an area that is prone to flooding or has a lot of water ingress or waterlogging.

For the ones who are buying a brand new bike, it makes sense to opt for the rider along with bike insurance , as it will keep your engine protected for a really long time. You can consider the age of the bike, geographical location, and premium for the add-on to decide whether or not the add-on is for you.

It is of utmost importance to buy a bike insurance policy if you do not already have one. The policy will let you ride safely on the roads without having to worry about accidents or incidents. And more importantly, it prevents you from spending money from your pockets in such cases.

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

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