The engine is the heart and soul of a car. A fully functional engine is essential for a car to run smoothly, which is why it is important to make sure that your car’s engine is maintained in perfect condition. However, as the vehicle ages, its engine may start giving you trouble. Moreover, calamities like floods or waterlogging can cause significant damage to your car’s engine. In such situations, the engine repair work can cost you dearly. This is when an engine protection cover in car insurance comes in handy. Let’s understand this car insurance add-on cover in detail.
What is Engine Protection Cover?
The engine protection cover is a car insurance add-on that is offered under a car insurance policy to provide coverage for any loss/damage incurred to the engine of the insured car. This includes the cost of repair or replacement of the car’s engine and its parts. The engine protection add-on cover comes at an additional cost over and above the premium of your basic car insurance policy.
What Does the Engine Protection Add-On Cover?
The engine protection add-on under the comprehensive car insurance plan covers various aspects of the car engine. Some of these are:
Lubricant Oil Leakage
This add-on provides financial coverage for any repair expenses arising due to the leak of your car’s lubricant oil.
Gearbox Damages
The cost of repair or replacement of the car’s gearbox is covered under the engine protection add-on cover.
Hydrostatic Lock Damages
If your car’s hydrostatic locks get damaged, the engine protection add-on will cover the cost of repairing or replacing these locks.
Water Ingression
Any damages incurred by your car’s engine due to water ingression are covered by the engine protection cover.
4 Reasons to Buy Engine Protection Cover in Car Insurance
The engine protection cover is one of the most important car insurance add-on covers under comprehensive plans. Here are 4 reasons why you must buy this add-on:
Provides Coverage for the Most Expensive Car Part
The engine is said to be one of the most expensive parts of a car. The cost of repairing or replacing the engine can burn a hole in your pocket. Hence, it is important to protect yourself financially with the engine protection covered in your car insurance policy.
Ideal in Flood-Prone Areas
If you live in a flood-prone locality, the chances of damage to your car engine due to water ingress are very high. The engine protection cover can be a savior in such cases.
Secures New Car Owners
For car owners who have purchased a brand-new vehicle recently, any engine damage can cause unwanted stress. With the engine protection cover, new car owners can rest assured as this add-on ensures that all the expenses arising from engine repairs and replacement are covered.
Ensures Car’s Longevity
As we know, the car engine is one of the most important parts of a four-wheeler. To ensure that your car runs smoothly in the long run, you must ensure the engine’s proper functioning. However, if you are unable to get your engine repaired in the event of any damages due to the shortage of funds, your car may not function at all. Hence, it is important to get the engine protection cover so that you are financially covered for the expenses incurred during engine repairs and your car runs smoothly for years to come.
The Final Take
You can have the most incredible tools as a first-time car buyer, but a car can’t run properly without its engine. Hence, the engine protection cover is considered to be a vital add-on cover under comprehensive car insurance plans. So, if you have recently purchased a car and live in a locality that is prone to flooding or waterlogging, it will be a wise choice to purchase the engine protection cover along with your car insurance.
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