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Engine Protector (EP) in Car Insurance
Oct 1, 2023

Meaning of the Engine Protector Cover in Car Insurance

You must have heard that the engine is the heart of the car. Indeed, the engine is one of the most essential parts of the car. If the engine stops functioning, the car may cease to work properly. Hence, if anything were to happen to the engine of the car, it is essential to get it repaired quickly. However, your standard car insurance policy may not be useful in this regard as most policies do not cover damage to the car’s engine. This is where the engine protector add-on comes into the picture. It is an optional add-on available with comprehensive car insurance that provides coverage against various kinds of damage to the engine. Claims are subject to terms and conditions set forth under car insurance policy. Let’s learn more about its scope and how it can benefit you.

Meaning of the Engine Protector Cover in Car Insurance 

Getting your car’s engine repaired can mean having to pay huge bills. However, if you have an engine protector (EP) add-on with your car insurance policy, it can help relieve the financial expenses that can crop up in such a situation. The EP add-on covers different kinds of damage to your engine, such as:
  • Damage due to water ingression or water entering the engine *
  • Oil or lubricant leaking out from the engine and causing damage *
  • Damage to the hydrostatic lock, which occurs when the engine is running, and water enters the combustion chamber. *
Furthermore, it also covers damage to different parts of the engine as well as to the gearbox and its parts. In case the damage is so severe that the engine has to be replaced, the EP add-on covers that as well, it may vary case on case basis. Claims are subject to terms and conditions set forth under car insurance policy. * While it is important to note the inclusions, it is equally crucial to have a clear idea of the exclusions as well. Some aspects of engine damage that may not be covered are:
  • Consequential damage.
  • Losses covered under the manufacturer’s warranty.
  • Consumables required for an engine flush such as engine oil.
  • Corrosion of engine caused due to a delay in retrieval or intimating the insurance company.
  • Lack of reasonable care by the policyholder in protecting the vehicle against damage.

Benefits of Engine Protector in Car Insurance

Now that you know what EP is in car insurance, let’s look at the benefits you may enjoy with it:

- Increased financial support

Having a comprehensive car insurance plan can be immensely beneficial in terms of finances. It ensures that you do not have to dip into your bank account or savings to pay for your car's repairs. If you opt for the engine protection add-on, it increases your policy’s coverage. Claims are subject to terms and conditions set forth under car insurance policy.

- Allows for better engine function

With adequate coverage from the engine protector cover, one can access high-quality repairs for their car’s engine and ensure the damage does not get severe. When your engine gets the repair it needs at the right time, it functions in a more efficient manner. This, in turn, enhances the performance of your car.

- Helpful during monsoons

The engine is specifically susceptible to damage during monsoons, especially in areas where flooding and waterlogging are common. If water enters the engine, the extent of damage can be quite severe. In such a situation, having the engine protector add-on with your car insurance policy can be particularly useful. It ensures that in case water ingression does occur, its consequences can be easily taken care of. * Claims are subject to terms and conditions set forth under car insurance policy.

Should You Buy the Engine Protector Add-On? 

While the importance of the EP add-on cannot be overlooked, one should note that it is an optional feature that has to be availed at an extra premium. Hence, you should review your needs and budget before opting for the add-on. The engine protector add-on can be beneficial for you:

- If you live in flood-prone regions:

As mentioned earlier, water damage to the engine can be common in areas with flooding and waterlogging issues.

- If you have recently purchased a new car:

Repairing the damages to a new car’s engine can be quite expensive compared to repairs for slightly older cars.

- If you have a sports/luxury car:

Expensive cars, such as sports cars or luxury cars, tend to have high-performance engines whose repairs can be heavy on the pocket. Car owners that do not fit into the above categories may also find the EP add-on to be useful if it meets their car insurance coverage needs. You can also consider other car insurance add ons such as zero depreciation, 24/7 claim assistance, consumables expenses, key and lock replacement, and so on. * Claims are subject to terms and conditions set forth under car insurance policy. Ultimately, you should look at your coverage needs and then opt for the engine protector add-on in car insurance accordingly. Reaching out to an insurance advisor/agent may also help.   * Standard T&C apply. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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