Know About Engine Protection Cover In Car Insurance In India 2024

Updated On: 2023-06-08

Author : Team Policybachat

Car owners in India often face the risk of engine damage due to various reasons, including waterlogging, engine seizure, hydrostatic lock, or internal breakdown. Repairing or replacing a damaged engine can be an expensive affair. This is where Engine Protection Cover comes into play, offering additional financial security and peace of mind. While basic car insurance coverage protects against accidents, theft, and external damages, Engine Protection Cover extends the coverage to internal damages specifically related to the engine.

Car insurance plays a vital role in protecting vehicle owners from financial losses in the event of accidents, theft, or damage. In India, where the number of vehicles on the road is constantly increasing, having comprehensive car insurance coverage is essential. While most people are familiar with the basic components of car insurance, such as third-party liability and own damage coverage, one aspect that deserves attention is Engine Protection Cover. This article aims to shed light on the significance of Engine Protection Cover in car insurance in India and provide a comprehensive understanding of its coverage and benefits.

What is Engine Protection Cover in Car Insurance?

Engine Protection Cover is an add-on or optional coverage offered by car insurance providers in India. It specifically protects the insured vehicle's engine against various damages and malfunctions. While standard car insurance policies provide coverage for damages caused by accidents and external factors, Engine Protection Cover extends this coverage to internal engine damages, ensuring comprehensive protection for the vehicle owner.

Coverage Details and Benefits:

  • Protection against Engine-Related Damages: Engine Protection Cover safeguards the insured vehicle's engine from unforeseen damages arising from internal factors such as water ingress, hydrostatic lock, engine seizure, or oil leakage. It provides financial protection for repair or replacement costs resulting from these engine-specific issues.
  • Coverage for Repair or Replacement Costs: In the event of engine damage, Engine Protection Cover covers the expenses incurred in repairing or replacing the damaged engine components. This coverage can help alleviate the financial burden associated with engine repairs, which can be quite substantial.
  • Benefits of Comprehensive Coverage: By opting for Engine Protection Cover, vehicle owners can enhance their car insurance policy to include comprehensive protection for both external and internal damages. This comprehensive coverage offers greater peace of mind and financial security, ensuring that the engine-related risks are adequately addressed.

Exclusions and Limitations:

  • Pre-existing Engine Damage: Engine Protection Cover typically does not provide coverage for pre-existing engine damage. It is essential to ensure that the engine is in good condition and free from any pre-existing issues before availing of this coverage.
  • Wear and Tear: Regular wear and tear of the engine components are generally excluded from the coverage provided by Engine Protection Cover. It is important to note that this coverage is designed to protect against sudden and unexpected damages rather than gradual wear and tear.
  • Consequential Damages: Engine Protection Cover may not cover damages resulting from consequential events or damages caused due to the engine's failure. For example, if an engine failure leads to damage to other parts of the vehicle, such damages may not be covered under the Engine Protection Cover.

It is crucial to review the terms and conditions of the policy and understand the specific exclusions and limitations associated with Engine Protection Cover provided by the insurance provider. Being aware of these factors helps vehicle owners make informed decisions about their car insurance coverage and manage their expectations regarding claim settlements.

Why Engine Protection Cover in Car Insurance Important?

Engine protection in Car Insurance is an add-on. Having an engine protection (EP) add-on helps in getting your claim settled if only the engine of the car is damaged. The engine protection add-on covers the loss or damage to the engine, gearbox, and other engine parts of the car due to water ingression or oil leakage. These covers are offered by many insurance companies up to 7 years of age on paying an extra premium.

The motor insurance plan covers the accidental damages to the vehicle at the time of claim. As per the policy wording, damage to the engine is covered only if the vehicle is damaged simultaneously. In case of floods or engine lock which happens only to the engine, a basic insurance policy doesn’t cover the claims. Due to this Engine protection cover is added as an add-on. This add-on covers the damage to the engine and gearbox due to Water ingressions at the time of floods and Hydrostatic lock.

  • Engine is the costliest part of the vehicle
  • The only damage to the Engine is not covered under the basic comprehensive policy
  • More coverage at fewer premiums.
  • Damage because of leakage of lubricating oil inside of the engine.
  • Damage due to water entering the engine of the car.
  • Loss or damage of engine parts of a car such as a gearbox, pistons, connecting rods, etc., and other consequential damages are also covered under the Engine Protection Cover. The replacement costs and repair costs are included in this cover.

Engine Protection Cover vs Standard Car Insurance

By opting for Engine Protection Cover, vehicle owners can ensure comprehensive protection for their vehicles, addressing both external and internal damages. It offers peace of mind and financial security by specifically covering engine-related risks and providing coverage for repair or replacement costs.

It is important to note that the availability and extent of Engine Protection Cover may vary among insurance providers. Therefore, it is recommended to carefully review the coverage terms, limitations, and exclusions offered by different insurers and select the one that best suits individual needs and requirements.

Distinguish Engine Protection Cover Standard Car Insurance
Comprehensive Coverage Overview Extends coverage to internal engine damages Covers external damages due to accidents, theft, fire, and natural calamities
Key Differences and Additional Benefits Provides engine-specific coverage Protects against a wide range of risks and damages
Engine-specific coverage Covers repair or replacement costs for engine damages May not offer specific coverage for engine-related issues
Enhanced protection against unforeseen events Protects against engine damages caused by water ingress, hydrostatic lock, engine seizure, etc. Offers coverage for general risks like accidents, theft, and natural calamities
Cost considerations Adding this coverage may increase the premium Premium may be based on factors like vehicle age, make, model, and usage

How to Obtain Engine Protection Cover in India?

Several insurance providers in India offer Engine Protection Cover as an add-on or optional coverage. It is advisable to research and compare different insurance companies to find the one that best meets your needs and offers this coverage.

Eligibility Criteria and Documentation Requirements:

To obtain an Engine Protection Cover, you typically need to fulfill certain eligibility criteria, which may include:

  • Vehicle Age: The age of the vehicle may be a factor in determining eligibility for this coverage.
  • Vehicle Condition: The vehicle should be in good working condition without any pre-existing engine damage.
  • Existing Insurance: You may be required to have an existing comprehensive car insurance policy from the same insurer or provide proof of comprehensive coverage from another insurer.

Documentation Requirements:-

  • Vehicle registration certificate (RC)
  • Policy documents of the existing comprehensive car insurance
  • Proof of vehicle ownership
  • Identity proof (Aadhaar card, PAN card, etc.)

Factors Affecting Cost of Engine Protection Cover:

The premium for Engine Protection Cover is calculated based on several factors, which may include:

  • Vehicle make, model, and age
  • Engine capacity
  • Previous claims history
  • Insured Declared Value (IDV) of the vehicle
  • Deductible or voluntary excess

Additionally, other factors like your age, location, and the insurance provider's own underwriting policies may also impact the premium cost.

Top 10 Car Insurance Companies that Provide Engine Protection Cover:

Here is a list of the top 10 car insurance companies in India that provide Engine Protection Cover:

Insurance Company Premiums
HDFC ERGO Rs. 5829 View Plan
ICICI Lombard Rs. 6662 View Plan
Bajaj Allianz Rs. 8826 View Plan
Tata AIG Rs. 10,637 View Plan
Reliance General Rs. 9637 View Plan
Bharti AXA Rs. 7278 View Plan
SBI General Rs. 12,939 View Plan
Future Generali Rs. 6289 View Plan
United India Rs. 9383 View Plan

Making a Claim under Engine Protection Cover:

It is important to note that the specific claims process and requirements may vary among insurance providers. Familiarize yourself with the procedures and documentation specific to your insurance policy to ensure a smooth and efficient claims experience.

A. Contacting the Insurance Provider: In the event of engine damage, it is crucial to promptly notify your insurance provider about the incident. Contact the insurer's customer service or claims helpline to initiate the claims process. Provide accurate and detailed information about the engine damage, including the cause and extent of the damage.

B. Document Submission and Verification: The insurance provider will guide you through the required documentation for the claim. This typically includes:

  • Claim form: Fill out the claim form with all the necessary details about the incident.
  • Policy documents: Submit a copy of your car insurance policy documents.
  • Proof of ownership: Provide documents that establish your ownership of the insured vehicle.
  • FIR or police report: If required by the insurance provider, file a First Information Report (FIR) with the police and submit a copy of the report.
  • Repair estimates: Obtain repair estimates from authorized service centers or garages for engine damage.

The insurance provider will review and verify the submitted documents to assess the validity of the claim.

C. Repair or Replacement Process: Once the claim is approved, the insurance provider will provide guidance on the repair or replacement process. They may have tie-ups with authorized service centers or preferred garages where you can get the engine repaired. Follow the instructions provided by the insurer to ensure a smooth repair or replacement process. Keep all relevant receipts and invoices related to the repair work.

D. Claim Settlement and Reimbursement: After the engine is repaired or replaced, submit all the repair bills, invoices, and other relevant documents to the insurance provider for reimbursement. The insurance company will assess the claim and verify the expenses incurred. Upon successful verification, they will process the claim settlement and reimburse you for the approved amount as per the policy terms.

Tips for Choosing Best Engine Protection Cover in Car Insurance:

  • Assessing Individual Needs and Vehicle Usage: Consider your specific requirements and the usage of your vehicle. Evaluate factors such as the age of your vehicle, driving conditions, and the likelihood of encountering situations that may lead to engine damage. Assessing your needs will help determine if an Engine Protection Cover is necessary and if it aligns with your risk profile.
  • Comparing Coverage Options and Premiums: Compare the Engine Protection Cover options available from different insurance providers. Review the coverage details, including the scope of protection, exclusions, and limitations. Compare the premiums associated with each option and consider how the coverage and costs fit within your budget.
  • Evaluating Insurer Reputation and Claim Settlement Record: Research and evaluate the reputation and claim settlement record of insurance providers offering Engine Protection Cover. Look for customer reviews, ratings, and feedback about their service quality, reliability, and efficiency in handling claims. A reputable insurer with a good claim settlement record can provide a smoother claim experience.
  • Seeking Expert Advice, if Needed: If you are unsure about the coverage options or have specific queries, consider seeking advice from insurance experts or professionals. They can provide guidance based on your individual circumstances and help you make an informed decision. Insurance brokers or agents can also assist in understanding the policy terms and assist with the selection process.

Remember, each individual's needs and preferences may vary. Take the time to thoroughly assess your requirements, compare options, and consider multiple factors before finalizing the Engine Protection Cover that best suits your needs.


In conclusion, Engine Protection Cover is a valuable add-on coverage option in car insurance in India that provides specific protection for engine-related damages. By extending coverage to internal engine issues, such as water ingress and engine seizure, it offers comprehensive protection and financial security for vehicle owners. It is important for individuals to carefully assess their needs, compare coverage options and premiums, evaluate the reputation of insurance providers, and seek expert advice if necessary when selecting Engine Protection Cover. With this coverage, car owners can drive with confidence, knowing that their engines are safeguarded against unforeseen events and potentially costly repairs or replacements.

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