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Protecting Your Car In Monsoon With Engine Protection Cover In Car Insurance

​With the tail end of the summer, you can expect monsoon to arrive anytime in India. Monsoon is not only relief from the hot summers but has its share of problems. The most common that is seen in the urbanized jungles is waterlogging. With waterlogging, it brings other problems such as waste and mud accumulation that do not reach the drains. 

During monsoons, the streets are filled with water, and there is very low visibility with lesser traction on roads. All these factors suspect a spike in vehicle insurance claims. At such times, the owners can genuinely make use of their car insurance by addressing the issues of water ingression. 

So what exactly is water ingression?


Waterlogging causes the car to remain stuck on the streets for a long time. As water levels increase, it gradually begins to seep into the air filter of your vehicle. At such times when you crank the ignition, the suitable air-fuel combination is not there for combustion. Instead, water reaches the pistons of your car, and the pistons cannot accomplish its reciprocating movement. It makes the engine to stall and not release the required heat to turn on the engine. 

Moreover, when such kind of rainwater reaches the engine components, and you try it on, it leads to a hydrostatic lock. It results in a seizure of your engine, leaving no alternative but to approach your service station for its overhaul. 

As you know the engine is like the heart of your vehicle, any repairs to it will cost an arm and leg. In that case, it is always good to buy car insurance with an engine protection cover. 

If you live in a flood-prone zone, it can be a handy add-on to your already existing car insurance. Additionally, those owning a commercial fleet of cars like cab aggregators or professional motorsport are suggested to get an engine protector or add-on at the time of their car insurance renewal. Luxury car owners should definitely buy car insurance as an expensive car is undoubtedly going to disturb your pocket if there are any damages to the engine component. 

Engine Protection Cover Helps You Other Times Also


Some more tips to consider that an engine protector plan will not only assist you in monsoon but at other times like damages to shafts and gearbox. Moreover, it covers the repairs or replacement as needed to other critical parts of your engine like crankshafts, piston and cylinder heads. Lastly, the labor cost needed for repairs to your engine is very high. An engine protector delivers you financial protection from these high labor charges that are important for getting your vehicle back in its original condition. 

So the next time you ask for a car insurance plan, ensure you check the availability of an engine protection cover. A car insurance calculator can assist you in comparing the multiple plans available. After all, choosing a reliable insurance cover for your vehicle is the best way to protect from the hefty service invoices