Updated on - 18 May 2026
Travelling by car and discovering new places is a one-of-a-kind experience. It allows you to capture not just beautiful moments in exotic settings but also creates a wealth of memories. However, if you are stuck in the middle of your trip with a broken car, particularly one with a damaged engine, your excitement may turn to sorrow. Your concerns may be compounded when you learn that even if your vehicle is covered by comprehensive car insurance, you will not receive assistance for engine leakage.
So, does this imply that insurers do not offer any option to cover engines? The solution is the engine protection (EP) cover. You can avail yourself of the benefits of this add-on cover by paying an additional premium. This blog explains what EP in car insurance is, its benefits, and who needs it.
What is Engine Protection Cover in Car Insurance?
As the name suggests, the engine protection or EP cover reimburses the bill if the engine sustains damage due to water ingression, lubricant oil leakage, or a hydraulic lock fault. The coverage also includes key engine components. For example, if an engine's pistons, crankshaft, or gearbox are damaged, you can file a claim invoice.
However, the policy does not provide financial assistance if the engine is damaged due to your repeated attempts to start your car while it is submerged. Another situation that is not covered is an increase in pressure when the engine is clogged with water.
Benefits of Engine Protector in Car Insurance
Including an engine protector add-on in your car insurance policy offers several advantages, like:
- Comprehensive Protection: This add-on goes beyond standard motor insurance by covering engine-related damage that is usually excluded, such as water ingression or oil leakage.
- Financial Protection: Engine repairs or replacements can be expensive; this cover reduces out-of-pocket costs and helps maintain financial stability.
- Improved Vehicle Longevity: Prompt repairs supported by this add-on can help maintain engine health and extend the vehicle’s usable life.
- Greater Peace of Mind: With engine risks covered, you can drive with more confidence, particularly during monsoons or in flood-prone areas.
Should You Buy the Engine Protector Add-On?
The EP add-on is not suitable for everyone. For example, if you live in a city with a good drainage system and little rain, investing in this cover may not be worthwhile. So, who needs EP cover in a car? Whether you should buy this add-on depends on various factors, like:
- Geographical Location: If you live in areas prone to heavy rains, flooding, or waterlogging, this add-on is highly advisable.
- Vehicle Usage: Frequent driving through terrains where water ingression is possible increases the necessity for this coverage.
- Car Model and Age: Owners of high-end or relatively new cars may find this add-on beneficial to protect their significant investment.
- Existing Coverage: While bumper-to-bumper car insurance offers extensive coverage, it may not encompass engine-specific damages caused by non-accidental factors. Review your current policy details to identify coverage gaps and purchase any necessary add-ons.
You can buy this rider either when buying a new policy or during the renewal process.
Conclusion
The engine protection cover in car insurance is an important component for comprehensive vehicle protection. It provides coverage in areas usually overlooked by standard policies. Evaluating your circumstances, including environmental factors and vehicle specifics, can help you make an informed decision about purchasing this add-on for your insurance.
FAQs
1. Does EP affect my No Claim Bonus (NCB)?
Yes, if you raise a claim under the Engine Protection (EP) add-on, it is treated like any other own-damage claim and can impact your No Claim Bonus (NCB) at the time of renewal, unless protected by an NCB protection add-on.
2. Is EP applicable for address or contact detail changes?
No, only engine-related damages are covered by the EP add-on. Address, contact information, and nominee updates are examples of administrative changes that are not covered by it.
3. Is engine protection cover included in standard comprehensive car insurance?
No, engine protection is only available as an optional add-on that requires payment of an additional premium for coverage against specific engine-related risks.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.