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Why Go For Engine Add-On Plans in Car Insurance?

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Published on February 20, 2019. EST READ TIME: 5 MIN

A car insurance plan offers coverage to the vehicle, the driver, and the passengers in the car. It covers damage to the vehicle, as well as theft or loss of car. Car insurance plans also cover third party expenses and medical expenses in case of any untoward incident. A car insurance plan, therefore, has manifold benefits.

Insurance providers offer numerous riders, also known as add-ons, to increase the value of the plan. One such popular car insurance add-on is an engine protection cover. Such an add-on covers any damages to the engine. The insurance provider also compensates for the repair or replacement of engine parts such as connecting rods or pistons.

Reasons to choose engine protector add-on

Engine is indeed an expensive part of a vehicle. Repairing such a part is a costly affair. Besides, the cost of material and labor is significantly high. In order to prevent burning a hole in your pocket in case of damage of the engine, it is advisable to invest in an engine cover insurance.

Following are four major benefits of opting for an add-on to protect your engine.

• Offers coverage in case of damage due to leakage of lubricating oil: The chances of your engine getting damaged due to leakage of lubricating oil are high. Purchasing an engine protector add-on will help you recover the costs associated with replacing the engine.

• Provides cover due to water ingression: There may be instances where water enters the air intake valve and reaches the engine. This leads to engine failure. This loss is generally not covered in regular motor insurance policies. Besides, a hydrostatic lock may take place if you try to start a wet engine. To avail of adequate coverage during such events, it is recommended to buy an engine protector add-on.

• Offers coverage due to damage of gear box: Another benefit of investing in engine add-on insurance is coverage of gear box damages. You may recover the costs from the insurance provider.

When is an engine protector add-on required?

Damage to the engine is uncertain as it may occur anytime. Damage may occur due to accidents, flood, or fire. It is, therefore, important to secure adequate coverage for one of the most important and expensive parts of your vehicle.

Coverage and exclusions of engine protector plans

The scope of engine protection coverage varies from insurer to insurer. You may, therefore, compare the feature and benefits of various plans and make a choice based on your requirements.

It is important to note that such plans come with certain exclusions. Engine protector plans do not cover damages in case you turned on the ignition when your car was submerged in water. Besides, insurers do provide engine coverage if your car is more than five years old.

An engine protector rider will safeguard your engine in case of damage due to accidents or moisture during the rains. You may, therefore, invest in such a rider and avail of a comprehensive coverage.

This blog has been written by

Mr. Mukesh Kumar recommends getting your vehicle insured from HDFC ERGO, a brand serving more than 1 crore+ customers. With overnight repair services and more than 7,600+ network garages, you can be assured of help in event of any damage to your vehicle.

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