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मोटर इंश्योरेंस
Engine Protection Cover in Car Insurance
Get Up To 85% Off*
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your Car
प्रीमियम
रु. 2094 से शुरू*
Cashless Garages
7,200+ network garages for hassle free services
ओन डैमेज कवर
Covers damage to your car due to accidents, fire, theft and natural calamities
तीसरी पार्टी की लायबिलिटी
Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage
पर्सनल एक्सीडेंट कवर
Starting from INR 15 Lacs
नो क्लेम बोनस
50% तक
वैकल्पिक कवर
Wide range of Add Ons
On The Spot Claim Settlement
You can instantly register your car insurance claim from the accident spot and get it settled within minutes through our Bajaj General App
24x7 स्पॉट सहायता
Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down
इन्क्लूजन
क्या कवर होता है?Third Party Liability for Bodily Injury & Death (Unlimited Cover)
If an accident is caused by your car and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.
Third Party Liability for Property Damage (up to INR 7.5 lacs)
If an accident is caused by your car and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit
दुर्घटनाएं
Damages and losses that arise out of accidents and collisions
Natural or Man-Made Disasters
Damages and losses to car by events like floods, cyclones, earthquakes, riots or vandalism
आग से होने वाला नुकसान
Damages and losses if your car catches fire or explodes
चोरी
Financial losses when your car is stolen
In Transit Damage
If your car is damaged while being transported, this covers the repair costs
पर्सनल एक्सीडेंट
Coverage if your car accident results in death or disability of car owner
ऐड-ऑन कवर
Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage
क्या शामिल नहीं है
इसमें क्या कवर नहीं किया जाता है?Intentional Damage
Any damage caused to the car intentionally
मूल्यह्रास
Normal wear and tear of the car due to usage and depreciation in value is not covered
मैकेनिकल या इलेक्ट्रिकल खराबी
If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be covered
Illegal Activities
Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity
Geographic Limits
Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.
War-related Damages
Losses caused by war or nuclear risks are not covered
Overloading the Vehicle
If you exceed the weight or passenger limit specified for your car, leading to an accident.
Unauthorised Vehicle Modifications
If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.
Racing or Speed Tests
If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied
ध्यान दें
Please read policy wording for detailed exclusions
अतिरिक्त कवर
What else can you get?24x7 रोड साइड असिस्टेंस
Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more
कंज्यूमेबल एक्सपेंस
Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc
ज़ीरो डेप्रिसिएशन कवर
Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands
पे एज यू कंज्यूम
If you drive less then you can pay less by selecting number of kilometers driven in a year and thus saving on your insurance premium
No Claim Bonus Protector
Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium
Tyre Safeguard
This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle
कन्वेयन्स बेनीफिट्स
If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute
इंजन प्रोटेक्टर
Covers financial losses incurred due to damage to your car engine
Return to Invoice (RTI) Cover
Recover invoice value of your car back in case of theft or total loss
Benefits You Deserve
Reliable Customer Support
We have a dedicated call centre and chat support taking care of all your needs
7200+ Cashless garages
Wide network of cashless garages for hassle free service
On The Spot Claim Settlement
Register claim on accident spot and get it settled within minute on our app
Engine Protection Cover Add-On: Secure Your Car’s Engine Today
Car engines are costly to repair, and standard car insurance often doesn’t cover engine damage due to water ingress, oil leakage, or hydrostatic lock. That’s where Engine Protection Cover comes in. This valuable add-on ensures your engine stays protected against non-accidental but expensive damages, especially during monsoons or floods.
What is Engine Protection Cover?
Engine Protection Cover is an add-on in car insurance that covers the repair or replacement of your car’s engine due to water ingress, oil leakage, and other internal damages not caused by accidents. It is especially helpful for high-end cars or vehicles in flood-prone areas.
At-A-Glance
Compare Insurance Plans Made for You
| विशेषताएं |
Third Party Liabilty Cover |
ओन डैमेज कवर |
Comprehensive Car Cover |
Comprehensive Cover with Add-ons |
|---|---|---|---|---|
| ओवरव्यू | Covers legal liabilities arising due to body injury or property damage to others due to your car. It is mandatory by law. | Covers expenses arising out of damage to your car. | Full fedged cover comprising of Third Party Liability cover and Own Damage covers | Enhance coverage by opting for various Add-ons over and above the comprehensive cover |
| पॉलिसी की अवधि | 1 or 3 years | 1 वर्ष | 1 and 3 years | 1 and 3 years |
| Third Party Liability for Injury, Death & Property Damage | हां | नहीं | हां | हां |
| दुर्घटनाएं और टकराव | नहीं | हां | हां | हां |
| Natural or Man-Made Disasters | नहीं | हां | हां | हां |
| आग से होने वाला नुकसान | नहीं | हां | हां | हां |
| चोरी | नहीं | हां | हां | हां |
| Compulsory Personal Accident | हां | हां | हां | हां |
| Add-on: No Claim Bonus | नहीं | नहीं | नहीं | हां |
| Add-on: Zero Depreciation Cover | नहीं | नहीं | नहीं | हां |
| Add-on: Lock & Key Replacement | नहीं | नहीं | नहीं | हां |
| Add-on: 24x7 Roadside Assistance | नहीं | नहीं | नहीं | हां |
| Add-on: Consumables Cover | नहीं | नहीं | नहीं | हां |
| Explore more add-ons | नहीं | Up to 27 Add Ons | Up to 27 Add Ons | Up to 27 Add Ons |
Why is Engine Protection Cover Important?
● High Repair Costs: Engine repairs can cost ₹50,000–₹2 lakh, depending on the vehicle.
● Not Covered by Standard Policy: Regular insurance only covers accidental engine damage.
● Essential During Monsoons: Water ingress and hydrostatic lock are common in rainy seasons.
● Covers Key Parts: Protects engine, gearbox, pistons, crankshaft, etc.
● Preserves Car Value: Timely engine repair helps maintain resale value.
● Especially Useful for Premium Cars: High-end cars have complex engines.
● Backed by Insurance: Bajaj General Insurance offers seamless claims and access to 7,200+ cashless garages.
What is Covered Under the Engine Protection Cover in Car Insurance?
● Water ingression or hydrostatic lock
● Leakage of lubricating oil or coolant
● Damage to engine parts due to flooding
● Cost of engine repair or replacement
● Crankshaft, piston, gearbox, and cylinder damage
What is Not Covered Under Engine Protect in Car Insurance?
● Regular wear and tear
● Damage due to reckless driving
● Deliberate damage to the engine
● Engine damage after driving through deep water
● Damages if the vehicle is not repaired at an authorised workshop
Who Should Opt for Engine Protection Cover?
● Luxury or high-end car owners
● Vehicles in flood-prone areas
● New car owners under loan protection
● Urban drivers exposed to waterlogging
● People who drive frequently during monsoons
ऑटो इंश्योरेंस में इंजन प्रोटेक्शन कवर क्या है?
एक इंजन प्रोटेक्टर प्लान लुब्रिकेंट की लीकेज, गियरबॉक्स के डैमेज होने और पानी घुस जाने के कारण इंजन को होने वाले नुकसान को कवर करता है.
स्टैंडर्ड कम्प्रीहेंसिव कार इंश्योरेंस में संचालन के क्षेत्र के आधार पर अतिरिक्त कवरेज की आवश्यकता हो सकती है. इसलिए, उपयुक्त ऐड-ऑन इंश्योरेंस (उदाहरण के लिए, इंजन प्रोटेक्शन) चुनने से आपके मूल्यवान एसेट को सुरक्षा का एक और स्तर प्राप्त हो जाता है.
इसे किसे खरीदना चाहिए?
इंजन प्रोटेक्शन ऐड-ऑन कवर, सबसे उपयोगी ऐड-ऑन में से एक है जिसे आपको अपनी कम्प्रीहेंसिव कार इंश्योरेंस पॉलिसी में शामिल करना चाहिए. यह निम्नलिखित प्रकार के लोगों के लिए अधिक सहायक होगा जैसे कि:
प्रोफेशनल मोटर स्पोर्ट्स टीम या कमर्शियल फ्लीट मालिक.
बाढ़ की संभावना वाले इलाके में रहने वाले लोग.
लग्ज़री कार मालिक, जिनके लिए क्षतिग्रस्त इंजन को रिपेयर करवाने की लागत सामान्य कार की तुलना में काफी अधिक होगी.
पॉलिसी डॉक्यूमेंट डाउनलोड करें
Get instant access to your policy details with a single click.
चरण-दर-चरण गाइड
To help you navigate your insurance journey
कैसे खरीदें
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1
Download the Bajaj General App from App stores or click "Get Quote"
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Register or log in to your account.
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Enter your car details
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You will be redirected to the Car Insurance Page.
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Ensure to check your No Claim Discount
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Choose right Insured Declared Value (IDV) that reflects your car value
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Evaluate Covers, Add Ons, Optional Covers and Exclusions
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Select a plan from the recommended options, or customize your own plan
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Review the premium and other coverage details
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Proceed with the payment using your preferred method
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Receive confirmation of your purchased policy via email and SMS
रिन्यू कैसे करें
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1
Login to the app
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Enter your current policy details
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Review and update coverage if required
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Check for renewal offers
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Add or remove riders
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Confirm details and proceed
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Complete renewal payment online
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Receive instant confirmation for your policy renewal
क्लेम कैसे करें
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Download our Bajaj General App on Android or iOS
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Register or login to use Motor On the spot claim for a smooth process
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Enter your policy and accident details (location, date, time)
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Save and click Register to file your claim
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Receive an SMS with your claim registration number
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Fill in the digital claim form and submit NEFT details
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Upload photos of damaged parts as instructed
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Upload your RC and driving license
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Receive an SMS with the proposed claim amount
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Use the SMS link to agree/disagree with the claim amount
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Agree to receive the amount in your bank account
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Track your claim status using the Bajaj General App
अधिक जानें
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For any further queries, please reach out to us
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Toll Free : For Sales :1800-209-0144
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Email ID: careforyou@bajajgeneral.com
How to Purchase Engine Protection Cover with Bajaj General?
● Visit the official Bajaj General Insurance website
● Choose a comprehensive car insurance plan
● Select “Engine Protection Cover” as an add-on
● Enter your vehicle and personal details
● Get a quote and proceed to payment
● The policy with an add-on will be sent digitally
How Does Engine Protection Cover in Car Insurance Work?
When your engine gets damaged due to non-accidental reasons like waterlogging or oil leaks, you can raise a claim under the Engine Protection Cover. After inspection and verification by the insurer, your car is either repaired or the engine is replaced at a partner garage. This avoids out-of-pocket costs that are otherwise not covered under a basic policy.
How to Claim for Engine Protection Cover in Car Insurance?
● Connect with your insurer immediately after damage
● Avoid starting the car if the engine is waterlogged
● Submit the required documents and photos
● Get the vehicle inspected at a network garage
How to Renew Engine Protect Cover Online?
● Log in to your Bajaj General Insurance policy account
● Choose renewal and verify the car details
● Select the Engine Protection add-on again
● Pay the premium and receive the policy instantly
Why Insure Your Car with Bajaj General?
अभी खरीदें
Benefits of Choosing Bajaj General Insurance for Engine Protection Cover
● Nationwide support through 7,200+ cashless garages
● Quick and easy claim process
● Protection for engine and gearbox parts
● Digital policy issuance and renewals
● Optional bundling with other useful add-ons
● High customer trust and a reliable service track record
Things to Know Before Buying Engine Protect Add-On Cover
● It’s only available with own damage or comprehensive policies
● Must be added during policy purchase or renewal—not mid-term
● Claiming is only valid if you avoid driving a damaged engine
● Costs slightly more but can save lakhs in repairs
● Always check the list of covered components and exclusions
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सामान्य प्रश्न
Does full coverage insurance cover your engine?
Not always. Full coverage or comprehensive insurance covers only accidental engine damage; water ingress and oil leaks need an engine protection add-on.
What Happens If Water Enters the Car Engine?
Water ingress can cause a hydrostatic lock or engine failure. Without engine protection, standard insurance won’t cover repairs.
Is it worth having an engine protection cover in car insurance?
Yes, especially for new, expensive, or loan-financed vehicles in flood-prone areas—it can save you high repair costs.
What documents are required to have an engine protection cover in the car?
You need the car’s RC, previous insurance policy (if renewing), ID proof, and car inspection photos (if requested).
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