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Home / Two Wheeler Insurance / Engine Protection Cover

Engine Protection Cover In Two Wheeler Insurance

Name: Bike Engine Protection Cover
Brand: HDFC ERGO
Rating: 4.4 (154266 reviews)

Engine Protection Cover In Bike Insurance

Engine is like the heart of every two-wheeler, hence, it is worth investing in engine protection add-on cover available with two wheeler insurance policy. Engine Protect add-on cover provides coverage against damages to the vehicle’s engine due to lubricating oil leakage, water ingression, and engine failure because of an attempt to start a wet engine. Engine protection add-on cover is available with comprehensive insurance and standalone own damage two wheeler insurance.

If you are not satisfied with your insurance coverage and want to extend it, investing in add-ons like bike engine protection coverage can be a great idea. You must know that regular bike insurance does not provide coverage for any damage to the bike’s engine, so having this add-on can be quite beneficial. Engine protection cover helps you claim compensation for damages sustained by the engine of your bike and the internal parts of the engine.

Benefits of Engine Protection Add-On

The engine of a motor vehicle is one of the quintessential components. Not only this, but the engine is also the most costly part of a bike, so having a bike engine protector can be a wise choice. Let's check out the engine protection cover benefits and features:

Features	Benefits
Cover Against Leakages	Oil and lubricants are part of the engine box. For various reasons, oil, lubricant, or water leaks into the bike engine. This may lead to damages and require instant repair, which can be costly sometimes. However, with a bike engine protector, you have coverage against such a mishap.
Cover Against Damages	The hydrostatic lock of the bike may cause damage to the engine that may be hefty to deal with. With engine protection cover bike, you get coverage against such damages.
Financial Support	Repairing the engine or gearbox can be mostly expensive. Having a financial backup in the form of engine protection cover for bikes, you get the needed financial support in times of need.
Mental Peace	Comprehensive coverage for your bike gives you much-needed peace of mind. You no longer have to stress over the hefty expenses of engine repair. HDFC ERGO got you covered.

Inclusion & Exclusions of Engine Protection Add-On

What is Covered?
What is not Covered?

When you purchase bike insurance, our team will explain all the coverages on the plan to you. For your reference, here are the details of coverages offered under engine protection cover in bike insurance:

Lubricant Leakages

Engine cover insurance can be used in case the engine is damaged due to oil or other lubricants leaking.

Damages Due to Water

Water ingress can be a common problem in flood-prone areas. Water ingression can cause engine problems and it is covered under the plan.

Accident

Sometimes, accidents may cause physical damage to the engine, resulting in its malfunctioning. The plan covers such damage.

Failure of the Engine

Engine failure resulting from attempting to start a wet engine forcefully is also covered

An insurance plan is designed to bring maximum benefit to the policyholder and the insured. However, not everything can be covered under a plan or an add-on cover like an engine protection cover bike. These are termed exclusions of the plan. The list below mentions the exclusions of the engine cover add-on:

Wear and Tear

The general wear and tear affecting the performance of the bike's engine is not covered under the plan.

Intoxicated Driver

If the driver is found to be driving the vehicle under the influence of alcohol, drugs, or any illegal intoxicant, the claim will be rejected.

Lack of Licence

A claim can only be filed if the bike driver had a valid driver's licence. A lack of a valid licence directly leads to claim rejection.

An Inactive Insurance

To raise a claim, the policyholder must have valid and active insurance along with an active cover of engine protection cover for bikes. If the policy is not renewed, the claim will be rejected.

Delay in the Claim Process

As soon as there is a need for engine repair, the policyholder must inform the insurer about the same. Delay in intimating the insurer or getting the bike repaired without intimating the insurer may affect the claim process or even reject the same.

Cover Under Manufacturer's Warranty

A new bike's engine is usually covered under the manufacturer's warranty. In such a case, the insurance company will not cover the cost of engine repair. However, if the warranty period is over, an insurance claim can be raised.

Cost of Consumables

During the repair process, the engine may need to be flushed of consumables like lubricants and oil. The cost of this will not be covered under the insurance policy.

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How Does Engine Protection Cover In Two Wheeler Insurance Work?

Understanding the workings of an engine protection cover for bikes is vital. It helps you make an informed decision in times of need. If you find damage/disruption in the functioning of the engine, make sure to inform your insurer about the same. Under engine protection bike cover, the insurer will review the matter and verify the claim. Upon approval, you may get the guaranteed coverage and the financial support.

Who Should Opt for an Engine Protection Cover in Two Wheeler Insurance?

The basic coverage of your chosen bike insurance plan may not cover the engine damages. So, should you invest in it in addition? This is a commonly asked question when it comes to purchasing engine protection cover for bikes.

For people who reside in a flood-prone area, investing in an engine protector add-on can be a good choice. There are chances of water ingression in the engine and this add-on can be quite beneficial. Apart from this, if you wish to have comprehensive coverage for your bike, you may include this add-on to the base insurance plan. Those who ride their bikes on a daily basis may also choose this add-on.

How Can I Opt For An Engine Protection Add-On?

The process of purchasing an add-on cover with HDFC ERGO is a simple one. Here is how you can purchase an engine protection cover in bike insurance:

Policy Purchase Time

When you purchase the insurance policy, you can purchase the engine protection add-on in your base plan. It can be purchased with comprehensive or standalone bike insurance

During Policy Renewal

If you have an existing comprehensive/standalone insurance plan and wish to purchase an add-on, you can do so at the time of policy renewal.

How To File a Claim for Engine Protection Cover in Two-Wheeler Insurance?

The purpose of purchasing insurance is to avail the benefits when needed. So, you must know the claim process. With HDFC ERGO, you have a hassle-free claim process:

Intimation
The first step is to inform your insurer about the engine problem
Claim Filing
Now, raise a claim by filling out the claim form and submitting the required documents
Verification
The insurer, HDFC ERGO, will verify and then approve/reject the claim
Repair Process
Upon approval of the claim, you may get the bike repaired at a network garage and avail of cashless benefits. In case of reimbursement claims, the claim amount will be disbursed to your bank account after submission of the garage bills.

What Documents Are Required to Have Engine Protection Cover in Car Insurance?

There may not be a need to present documents separately for add-ons. However, common documents required for insurance purchase include:

• Policy documents (if you have existing insurance for the bike)

• Identity proof like PAN card, Aadhar Card, Driver's licence, voter ID card

• Address proof like Adhaar card, bank statement, utility bills, etc.

• Recent passport-size photographs.

Note: The insurer may ask for any other document if required.

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Other Two Wheeler Insurance Add-ons

Additional coverage increases both safety and support that a bike insurance can offer. Along with the engine protection cover for bikes, you may purchase various other add-ons as well. HDFC ERGO offers you the following add-ons:

Zero Depreciation Cover

Zero depreciation add-on is a coverage against the depreciation cost of a bike. Usually, the depreciation value is deducted from the overall bike insurance claim amount. However, when you have a zero dep cover, the depreciation value will no longer be calculated or deducted when a claim is raised. It is essential to understand that zero dep does not cover the engine of the bike. The benefit of zero DEP cover can be availed for one claim in a policy year.

Emergency Assistance Cover

Any motor vehicle, including bikes may face unforeseen problems when enroute. In such a situation where your bike may stop abruptly or a mechanical problem arises, it may become difficult to find a solution. With an emergency roadside assistance add-on cover, HDFC ERGO got you covered. All you have to do is inform your insurer about the problem, and a team with emergency roadside assistance will reach out to you immediately for help.

No Claim Bonus Protect

When you raise a claim, the no claim bonus is terminated. However, a no claim bonus protection is the add-on cover that keeps your NCB intact. With NCB Protect, you may raise up to 2 claims in a policy year without losing your NCB.

Return to Invoice

Some accidents may lead to the complete loss of the vehicle. Total loss is also declared when the bike is stolen and cannot be retrieved. In such cases, if you have a return-to-invoice add-on, you will receive the invoice value of your bike from your insurer as compensation. Without ROI, the current market value of the bike is offered to you, which may be lower than the invoice value.

Personal Accident Cover

Personal accident coverage is included in the usual bike insurance. You may opt for an additional personal accident add-on cover as well. Under this add-on up to 100% compensation is guaranteed in case of permanent disability, loss of eyesight or limbs, loss of hearing, loss of hands/feet, loss of speech, or death of the insured.

Cash Allowance

Cash allowance add-on benefits the policyholder with ₹200 cash per day for up to 10 days. It is applicable when the vehicle remains in repair for more than 3 days. This add-on can be utilised once in a policy year.

EMI Protector

EMI protector is an add-on cover where the policyholder receives the EMI from the insurer. If the insured bike is kept in the repair centre for more than 30 days, the insurer pays the EMI to the bike owner.

Two Wheeler Engine Maintenance Tips

Precaution is better than cure. This is an old adage that can actually save you from unnecessary hassles not just in life but regarding your bike as well. A bike insurance is there to assist you in times of need. To avoid unnecessary damage to your bike and claims, you must take good care of your bike and its engine. Here are some tips on how you can maintain the engine of a two-wheeler:

Regular Inspection

Make sure to perform self-inspection of your bike from time to time. Every time you take out your bike, make sure to clean it and check if the engine seems fine

Regular Servicing

Getting your two-wheeler serviced on time is crucial for it's longevity and optimal performance. Make sure to take your bike to the service centre for thorough cleaning and inspection before the servicing deadline crosses

Change of Lubricants

Lubricants like engine oil must be changed regularly. Overused engine oil may affect the bike's performance and even damage the engine. At the service centre, you will be informed about the next deadline for changing the engine oil.

Pay Heed to the Warning Lights

Nowadays, two-wheelers have warning lights in the steering. There is an engine warning light as well. If your two-wheeler shows a warning light, make sure to get it checked.

Air Filter Replacement/Cleaning

The air filter has to be replaced from time to time. It allows fresh air to circulate in the engine. A damaged or broken air filter can lead to overuse of fuel and reduce the bike's performance. So, get it checked, cleaned, and replaced regularly.

Use of Recommended Parts Only

The viscosity of lubricants is specific to each two-wheeler. So, stick to the recommended lubricants and the viscosity to ensure the best performance of the bike and avoid any unnecessary mishaps.

Do Not Overheat

Overheating the engine cannot be good for your bike. During hot summer days, the engine may get hot even faster. So, try to keep the engine cool by avoiding sunny rides or driving it for too long on hot days.

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