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Dec 4, 2023

Motor Insurance Add-Ons Series: Engine Protection – A Must-Have for Your Vehicle

In a world where uncertainties lurk around every corner, securing your prized possessions has never been more critical. When it comes to your vehicle, a robust motor insurance policy is the armour that shields you from the unexpected. Within the realm of vehicle insurance , there are various add-ons designed to provide comprehensive protection, and one such crucial addition is the "Engine Protector." In this instalment of our Motor Insurance Add-Ons Series, we will delve into the essentials of Engine Protection Cover, its inclusions, and exclusions to help you decide if it's the right fit for your motor insurance policy.

Engine Protection Cover: Understanding the Basics

Your motor insurance policy, whether it's car insurance or bike insurance, offers coverage for accidents, theft, and damage caused by natural calamities. However, it may not cover damages to your engine in some cases. This is where an Engine Protection Cover steps in. Engine Protection Cover, as the name suggests, provides financial protection in the event of engine damage. Be it due to waterlogging during the monsoon or oil starvation due to impact on oil sump, the repair or replacement of a vehicle's engine can be a hefty expense. Engine Protection Cover ensures that you are not left burdened by such unforeseen costs. This add-on typically covers expenses related to repairing or replacing damaged internal engine parts, such as pistons, connecting rods, crankshafts, and more. It can be a game-changer, especially in a country like India, where monsoon-related damage to vehicles is a common occurrence.*

Inclusions And Exclusions

Before opting for an Engine Protection Cover, it's crucial to understand what's included and what's not. While the specific details can vary among insurance providers, here are some general inclusions and exclusions to be aware of:


Water Ingression: This occurs when your engine is damaged due to water entering it, often during floods or heavy rains. The Engine Protection Cover typically includes this scenario.* Engine Parts: The add-on usually covers the cost of repairing or replacing damaged engine parts, as mentioned earlier.* Gearbox Damage: Some policies extend coverage to damage in the gearbox as well.* Claims are subject to terms and conditions set forth under motor insurance policy.


Pre-existing Damage: The Engine Protection Cover typically does not cover damage that existed before you purchased the add-on or the insurance policy.* Wear and Tear: Normal wear and tear of engine parts is, generally, not covered.* Consequential Damage: Any damage caused as a consequence of engine damage might not be covered.*

Should You Include It In Your Policy?

Now that you have a better understanding of what the Engine Protection Cover entails, the question arises: should you include it in your motor insurance policy? The decision largely depends on several factors:


If you reside in an area prone to flooding or other natural calamities, the Engine Protection Cover becomes more crucial. It provides an extra layer of security against water damage to your engine. Claims are subject to terms and conditions set forth under motor insurance policy.*

Vehicle Type

The importance of this add-on can vary based on your vehicle type. For instance, if you own a premium bike, the cost of engine repairs or replacement can be exorbitant. In such cases, the Engine Protection Cover with your bike insurance policy is a prudent choice.


Consider your budget and how much you're willing to spend on add-ons. While the Engine Protection Cover can be beneficial, it does come at an additional cost.


If you frequently drive in areas with waterlogged roads or challenging terrains, the risk of engine damage increases, making this add-on more attractive.

Peace of Mind

Ultimately, the decision depends on your desire for comprehensive coverage and peace of mind. If you want to be prepared for all eventualities, the Engine Protection Cover can be a valuable addition to your motor insurance policy.


In the unpredictable world of vehicle ownership, an Engine Protection Cover emerges as a reliable shield against one of the most expensive and unforeseen repair costs—engine damage. Whether you own a car or a motorcycle, understanding the basics of this add-on, its inclusions and exclusions, and its suitability for your needs is essential. Before making a decision, carefully assess your circumstances, budget, and risk factors. Consider consulting with your insurance provider to get a customized solution that aligns with your requirements. In the end, Engine Protection Cover can be the safety net that ensures your vehicle stays on the road, no matter what challenges lie ahead. As you explore the world of motor insurance and its add-ons, remember that your insurance policy is your trusted companion on every journey. Stay tuned for more insights into valuable add-ons that can enhance your motor insurance policy and provide you with comprehensive coverage for your cherished vehicle. For more information on motor insurance policies and add-ons that best suit your needs, feel free to reach out to Bajaj Allianz General Insurance Company today. We're here to help you navigate the road to secure and worry-free vehicle ownership. * 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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