Why Engine Protection Add-On Cover Is Vital In Your Car Insurance

Engine Protection Add-On Cover Is Vital In Your Car Insurance

Published on May 28th, 2024

Car insurance is a vital safeguard for any vehicle owner, offering financial protection in the event of accidents, thefts, and other damages.

However, standard car insurance policies often exclude certain critical components, such as the engine, from their coverage.

This is where Engine Protection Cover comes in as an indispensable add-on.

This specialised cover can shield you from significant financial strain due to engine damage, which is not only the heart of your vehicle but also the most expensive part to repair or replace.

Understanding Engine Protection Cover

Engine Protection Cover is an additional benefit that can be added to your comprehensive car insurance policy.

It specifically covers damage to the engine and its parts, including the gearbox, pistons, and other crucial components.

This add-on is particularly beneficial in covering damages that regular policies might exclude, such as those caused by water ingress (hydrostatic lock) or leakage of lubricating oil.

Reasons To Opt For Engine Protection Cover In Car Insurance

  1. Protection Against High Repair Costs: The cost of repairing or replacing an engine can easily run into thousands of dollars. In situations where the damage to the engine is due to water ingress or oil leaks, standard car insurance policies typically do not provide coverage. Engine Protection Cover fills this gap, ensuring that the financial burden of such repairs does not disrupt your finances.
  2. Indispensable for Residents in High-Rainfall Areas: For those living in areas susceptible to heavy rains and flooding, the risk of water entering the engine is considerably higher. Water can seep into the engine through the air intake and other openings, leading to severe damage or even a complete breakdown. The Engine Protection Cover is crucial for car owners in such regions to cover the costs associated with engine repairs or replacements due to waterlogging.
  3. Maintains Vehicle’s Resale Value: A well-maintained car fetches a higher resale value, and having comprehensive car insurance with Engine Protection Cover can be a testament to the car’s good condition. This cover ensures that any engine-related issues are promptly and adequately addressed, thereby maintaining the engine’s health and, by extension, the vehicle’s value. It provides a potential buyer with the assurance that the car has been protected against one of the most significant possible failures.
  4. Cost-Effectiveness Over Time: While adding Engine Protection Cover to your car insurance policy does increase your premium, the cost is minimal compared to the potential expense of engine repairs. Engines can fail due to a variety of reasons beyond accidents, including normal wear and tear, poor maintenance, or environmental factors like waterlogging. Getting this add-on cover can save you substantial amounts in the long run, making it a wise financial decision.
  5. Streamlined Claims Process: Having Engine Protection Cover simplifies the claims process if you ever suffer engine damage. Insurers provide specific procedures for claims under this add-on, which can expedite the repair process and reduce the paperwork and hassle typically involved in claiming for engine repairs.

How To Choose The Right Engine Protection Cover

  • Evaluate Your Needs: Consider the age of your vehicle, your driving habits, and the environmental conditions in your area. Newer cars or those driven in areas with frequent flooding or poor road conditions might benefit more from this cover.
  • Compare Different Policies: Look at what different insurers offer under their Engine Protection Cover. Some policies might offer more comprehensive coverage than others, covering a broader range of scenarios or including more parts of the engine.
  • Read the Fine Print: Understand the terms and conditions of the Engine Protection Cover. Pay attention to exclusions, deductibles, and limits on the amount of coverage. This will help you understand exactly what your policy covers and avoid surprises when you make a claim.
  • Review Cost vs. Benefit: Analyze whether the cost of adding Engine Protection to your policy is justified by the benefits it offers. Consider the potential repair costs you might face without it and balance this against the increase in your premium.


Engine Protection Cover is a critical component of car insurance that offers specific benefits aimed at protecting one of the most vital and expensive parts of your vehicle.

For car owners, especially those in areas prone to severe weather conditions or those with older vehicles, it provides an essential safety net that guards against unexpected and potentially overwhelming repair costs.

By carefully choosing and managing this cover, you can ensure that your vehicle remains in top running condition without putting undue strain on your finances, allowing you to drive with confidence and peace of mind.

Trusted by 50 million+ customers tin India, the Bajaj Finserv App is a one-stop solution for all your financial needs and goals. This app allows you to buy motor insurance plans provided by various insurance providers in just a few clicks. Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Disclaimer: T&C Apply. Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalum MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101.

Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product.

Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly.

Please refer insurer’s website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale.

Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. URN No. BFL/Advt./23-24/352