Engine Protection Cover In Car Insurance

An engine protection cover in car insurance is an additional cover that provides enhanced protection to the engine against damages not covered in a standard comprehensive car insurance policy. It provides coverage for losses caused due to waterlogging, oil leakage, and damages to the engine parts like the gearbox and cylinder.

Having an engine protection cover becomes essential especially in monsoons as cars are prone to engine damage caused by water seepage. It reduces the high cost of repair and maintenance of the engine, hence offering peace of mind to the vehicle owner. It is generally advisable for new or high-end car models.

Those who should opt for an engine protection cover in car insurance include individuals who live in areas prone to flooding or water-logging, people with high-end or luxury cars with expensive engines, and those who frequently drive long distances. Individuals with newer cars might also want this additional cover for added security. Additionally, individuals whose car loans are not fully paid off might benefit from engine protection cover to ensure they won't incur extra debt if the engine is damaged.

Filing a claim for engine protection cover in your car insurance involves specific steps, including informing your insurance company, filling out a claim form, and providing necessary documents. Here's what to do.

1. Assess the damage

After noticing the engine damage, do a thorough assessment to determine whether it's indeed covered by the engine protection cover. Some of the instances covered by this insurance are damages due to leakage of lubricant/oil, water ingression, or hydrostatic lock. It could also happen that the vehicle stopped in a water-logged area which resulted in an internal damage or there is clear proof that there is an under-carriage damage to the internal parts of the engine.

2. Report the damage

Immediately report the incident to your insurer. Explain the entire scenario to them so that they can guide you with the necessary procedures for claim filing. You need to keep these 2 aspects in mind:

1. Do not try to start the vehicle once it has stopped in a water-logged area or there is damage in the undercarriage.

2. Call the toll-free number immediately for a spot survey without moving the vehicle from the place where it stopped.

3. Document the incident

Ensure that you have sufficient documentation about the damage. Take clear photographs of the damaged part and gather any other proof that supports your claim.

4. Filing the claim

Follow your insurance provider’s claim process. This generally includes filling out a claim form which should be accompanied by all the required documents.

5. Claim approval

There should be an evidence that indicates that the insured vehicle came to a halt in an area submerged in water, which led to water seeping into the engine and/or gearbox and damaging its internal components. Furthermore, there should be proof of damage to the underside of the engine and/or gearbox, causing oil to leak and consequently leading to harm to the internal parts of the engine and/or gearbox.

If your claim is justified, it will be approved and the cost of repair or replacement of the damaged parts of the engine will be paid by the insurance company.