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Your regular comprehensive insurance will not cover the repair or replacement of engine or parts such as connecting rods, pistons, etc. For that you need engine protection add on.

🔸To understand how the Engine Protection (EP) in car insurance, here is an example of how the add-on works:

Suppose you have left your home closed as you are visiting your native place for a vacation or a function and there is a heavy downpour. Your neighbour calls you to inform you that the rainwater has entered your house and your car has submerged in the rainwater🚗

🔸The cost to repair or replace engine parts such as pistons, connecting rods, gearbox parts, etc. is about Rs.1,20,000. With just the standard comprehensive policy, these parts are not covered and hence you will have to pay it from your pocket.

However, if you had bought the Engine Protection Add-on by paying a slightly higher premium, you could have avoided paying from your pocket. The insurance company will cover the cost based on the additional coverage.

➡️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. 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.

3. 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.

Source: Acko Insurance
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