An Engine Protector plan covers damage to the engine caused due to leakage of lubricants, damage to the gearbox and water ingression.
Standard comprehensive car insurance may need to be supplemented with additional coverage depending on the area of operation. Therefore, choosing the appropriate add-on insurance (for example, an Engine protection) cover increases protection levels for your prized asset.
Importance of Engine Protection Cover
Car engines are one of the most expensive and maintenance intensive parts of your car. They can be susceptible to damage in conditions of waterlogging or due to constant overheating. Under such undesirable circumstances, the Engine Protector Add-on Cover can be very beneficial.
Common inclusions in Engine Protection Cover
As a dedicated plan meant for car engines, it protects against eventualities such as water ingression, gearbox damage, lubricant leakage etc.
Expenses covered by Engine Protection Cover
It covers the complete replacement or repair of the critical engine parts such as pistons, crankshafts, cylinder head.
Damage caused to the gearbox and shafts are also covered.
It reimburses labour costs/mechanic fees incurred due to the overhauling of gearboxes and other vital engine parts.
Who should buy it?
Engine Protection Add-on Covers are one of the most useful add-ons that you should include in your comprehensive car insurance policy. It would be more helpful for the following groups of people such as:
Professional motor sports teams or commercial fleet owners.
People residing in flood-prone zones.
People having luxury cars for which the cost of repairing a damaged engine would be substantially higher than that of a normal car.
In conclusion, an engine protection cover will safeguard your engine against damages caused due to rainfall and other calamities. However, it is imperative for you to go through its basic features, common inclusions and exclusions thoroughly before deciding to purchase it.
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