Скачать или смотреть Car Insurance: Engine Protection add on

👉Your regular comprehensive insurance will not cover the repair or replacement of engine or parts such as connecting rods, pistons, etc.

👉The add-on compensates you for the replacement or repair of your car’s engine or parts.

👉This can be due to leakage of lubricant oil, water ingression, damage to components such as gearbox, pistons, connecting rods, etc., as well as due to hydrostatic lock, caused when you start the wet engine

👉The cost to repair or replace engine parts such as pistons, connecting rods, gearbox parts, etc. is about Rs.1,20,000

👉Generally, the cost of the engine protection add-on is about 2% of the current market value of the car, this also depends on the model of the car.

👉With the engine covered under the additional coverage, you can save a lot of money by getting the insurance company to bear the engine repair bill.

Like all insurance policies, there are some exclusions in the Engine Protection Cover add-on.

1. Force-Start the Engine
When the car is submerged in the water, there is a good chance that water has entered the engine. Do not start the engine forcefully, this can lead to rejection of the claim.

2. Consequential Damages
The policy will not cover consequential damages or losses if the insured vehicle is driven after an accident. Insurers tend to reject the claim during such incidents.

3. Limited Claims
During the policy period, the policyholder can raise only two claims against the Engine Protection Add-on. This add-on is offered with limited validity.

4. Car’s Age Limit
The add-on is not available for cars older than 5 years. Hence, it is limited only to cars which are not more than 5 years old.
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