Cars are an amazing human creation. However, driving on Indian roads can be risky. This is the reason why one should train themselves before buying a car. Other than being trained in driving a car, you should also buy comprehensive car insurance that will protect you and your car financially against damage caused due to accident, natural calamities, theft, fire, riots, etc. Under the Motor Vehicle (Amendment) Act, 2019, buying car insurance is also mandatory if you want to drive on the Indian roads.
But opting for a car insurance policy without an appropriate add-on cover is not advisable. People neglect add-on cover, but they are an essential part of car insurance. Insurance companies provide add-ons such as 24x7 roadside assistance, consumable cover, NCB protection, engine protection cover, etc. Today we are going to talk about how important engine protection is covered in car insurance.
What Is Engine Protection Cover?
An engine protection cover is an add-on in car insurance that provides financial coverage against any damage that occurs to the engine of an insured car. This add-on will take care of the repair cost of the engine and its part. You should know that your comprehensive car insurance will provide you coverage against any damage incurred to your car’s engine or its parts like piston, gearbox, crankshaft, cylinder, pins, etc. Damage to the engine of your insured car can happen because of water ingression, damage to the gearbox, leakage of lubricating oil, hydrostatic lock, etc. The engine is the most expensive part of the car; its repairing cost can be high.
Also, monsoon season is on the doorsteps, if water enters the engine, it might cause you trouble. This is the must-have add-on if you live in an area that is more prone to floods. Repairing of the engine and its part can put a major dent on your savings, so it is best that you get covered with an engine protection cover.
How Does Engine Protection Cover in Car Insurance Works?
For instance, you are the owner of a hatchback. Generally, the replacement and repairing cost of its engine parts like piston and pins, crankshaft, cylinder, etc in India can boost up to Rs 1,00,000/- to Rs 1,20,000/-. The metal and plastic parts of the engine will cost an additional amount of Rs 20,000 or more. If you haven’t opted for engine protection add-on, you need to pay all of this amount from your own pocket. However, if you buy car insurance
with engine protection cover, you don’t need to worry about the expenses incurred in repairing and replacement of the engine or its part. You can have peace of mind as your car’s heart will be financially protected with the engine protection add-on.
What heart is to humans, the engine is in your car. A car without a working engine is just junk. You should take care of your car’s engine, as you can only ride smoothly if the engine is working properly. You should buy car insurance from a reputable insurer such as Reliance General Insurance with engine protection add-on. There are other add-ons also, you can choose whatever suits you the best.