Engine Protection Cover in Car Insurance

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.

●      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.

●      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

What is Engine Protection Cover in Auto Insurance?

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.

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.

●      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

●      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