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Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

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Engine protect cover

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Understand your vehicle registration number

Your vehicle registration number is the unique vehicle identification number issued by Regional Transport Office (RTO) and mentioned in your vehicle RC book. The vehicle registration number is printed on license plate and affixed to your vehicle.

Kindly note: While entering your vehicle registration number, please be careful about similar looking characters and number, like alphabet ‘O’ being used in place of number 0 or vice-versa.

  • 1 The first two letters together indicates the state in India where the vehicle is registered.
  • 2 The second group comprises two numbers, which represents RTO district code.
  • 3 The last group is usually a unique combination of a character(s) and four digits. If it’s 0001, please enter all the four digits and not just 1.

Understand your vehicle registration number

Your vehicle registration number is the unique vehicle identification number issued by Regional Transport Office (RTO) and mentioned in your vehicle RC book. The vehicle registration number is printed on license plate and affixed to your vehicle.

Kindly note: While entering your vehicle registration number, please be careful about similar looking characters and number, like alphabet ‘O’ being used in place of number 0 or vice-versa.

  • 1 The first two letters together indicates the state in India where the vehicle is registered.
  • 2 The second group comprises two numbers, which represents RTO district code.
  • 3 The last group is usually a unique combination of a character(s) and four digits. If it’s 0001, please enter all the four digits and not just 1.

About engine protect cover in car insurance

The engine protect cover is an add-on, which you can opt for by paying an additional premium while purchasing or renewing a car insurance policy. Engine protect in car insurance covers your vehicle's engine parts, differential parts and gearbox parts against damage due to consequential loss arising out of ingression of water/leakage of lubricating oil.

In simple terms, any damage to the car's engine and its components due to oil leakage or water entry are covered under engine protect cover.

Benefits of engine protection cover in car insurance

Instant help

Covers the most expensive part

The engine is one of the most expensive parts of the car, and the cost of its repairs or replacement can put a dent in your wallet. If you opt for engine protect cover, you won't have to worry about the expenses related to engine damage due to consequential loss arising out of ingression of water/leakage of lubricating oil.

Peace of mind

Provides financial assistance

The comprehensive car insurance policy does not cover any consequential loss to the engine. As a result, if you have engine protection cover in car insurance as an add-on, you can rest easy in the event of a mishap.

Eligibility criteria for family health insurance

Who should opt for an engine protection cover in car insurance?

  • Your car is more vulnerable to loss or damage if you live in a flood-prone area. As a result, having an engine protect in car insurance policy might prove beneficial.

  • If you own an expensive car, you must purchase car insurance with engine protection. Otherwise, you will have to pay a significant amount out of your pocket if the engine is damaged.

  • If you already have a comprehensive or own-damage policy but wish to extend coverage to your engine at the time of renewal, consider purchasing an engine protect cover.

What is covered by engine protect cover in car insurance?

  • Inclusions
  • Exclusions

  • Car engine damage

    If your car's engine is damaged due to consequential loss arising out of ingression of water or leakage of lubricating oil, our engine protect cover in car insurance will cover the cost of repairing or replacing its parts such as connecting rods and crankshaft.

  • Gearbox damage

    Under engine protection insurance, we will take care of the expenses arising from repairs or replacement of the gearbox due to lubricant oil leakage or water ingression.
  • Under an engine protect cover, we don’t cover any claims being serviced by another form of motor insurance policy with another insurer.
  • Our engine protect in car insurance does not cover the manufacturer's warranty that includes recall campaigns or other similar packages at the same time.
  • Our engine protection insurance does not bear the cost of lubricants in the event of leakage and consumable cleansing.
  • If you file a claim after 30 days from the date of the loss or damage, our engine protection insurance will not cover you.
  • If your car has undergone any repairs without our prior approval, our engine protect cover will not cover it.
  • Under engine protect cover, we don’t serve a claim for damage to the car’s engine due to normal wear and tear.

Policy documents: Private car package policy wordings|

Stand-alone own damage private car insurance policy wordings

How to buy engine protect cover in car insurance?

You can get the car engine protector, i.e. engine protect cover along with your car insurance in four simple steps:

Critical illness cover

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Get a quote by sharing your vehicle registration and your contact details here.

Hospital cash cover

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Pick the plan you like and add an engine protect cover to it.

Donor expense cover

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Make the payment online using our secured payment gateway.

Convalescence benefit cover

Policy

Get the car insurance policy with engine protect cover instantly.

Eligibility criteria for family health insurance

How does engine protection cover in car insurance work?

Buying engine protection insurance without knowing how it works is meaningless. Let’s look at an example to understand how engine protect cover works. Consider the following scenario—you are on a vacation or a job deputation in a different city, and your car has been left at your apartment’s parking lot for months. In such a case, the car's engine may stop running due to lubricant oil leakage and consequential damage to engine components, necessitating a complete replacement. Similarly, if water gets into the car engine due to a flood or any other reason, the engine will need to be replaced or repaired.


Under engine protection cover, we will take care of all the expenses arising from loss or damage to your car's engine in such scenarios. You don't have to bear the expenses for repairs and replacement of your vehicle's engine due to lubricant oil leakage or water ingression.

How to claim for engine protection cover in car insurance?

Filing an engine protect cover claim with ICICI Lombard is a hassle-free process. You can do it in a few simple steps.

  • Claim

    Call our toll free number and inform our executives regarding loss or damage sustained by your car's engine and its components.

  • Inspection

    Drop your car to a network garage suggested by us. We will assign you a surveyor to inspect and assess the amount of damage sustained by your engine and its components.

  • Approval

    After the successful assessment and repair, your expenses for gearbox, pistons, connecting rods, etc. incurred at our network garage will be settled on a cashless basis.

How to renew engine protect cover online?

With ICICI Lombard, renewing engine protection insurance is as simple as one can imagine. Now, you can renew your car insurance with this add-on in four simple steps.

Below are the steps to renew your policy

  • 1
    Click here to visit our car insurance renewal page.
  • 2
    Enter your car registration number or your registered mobile number.
  • 3
    Click on ‘Proceed’.
  • 4
    Follow the instructions to renew your car insurance with engine protect add-on.

You can also visit the link sent to your registered mobile number and e-mail id to renew your car insurance with engine protect cover.

Things to consider before having the engine protection cover in car insurance

  • Do you have only third-party liability insurance for your car? If yes, you are not eligible for engine protect cover because engine protection cover is only available as an add-on to comprehensive and own-damage policies.

  • As engine protection cover in car insurance is an add-on product, you are required to pay an additional premium on your comprehensive or own-damage policy to avail of this cover.

Car engine maintenance tips

  • Check the engine oil regularly to ensure that your car's engine lives a long and healthy life. Replace the engine oil regularly to keep the engine's internal components in good working condition.

  • Do not skip your car's periodical service. It is essential to keep your engine in good working order. Ensure that you replace the car's air filters and other important components as and when needed.

  • Avoid overloading your vehicle because this will reduce engine performance, resulting in the loss or damage of your vehicle's engine.

  • Do not overwork the engine by accelerating hard or overheating it; this might result in irreversible damage to engine parts and shorten your car engine’s life.

Frequently asked questions on engine protect cover in car insurance

Does full coverage insurance cover your engine?

What is engine protection add on cover in car insurance?

Engine protect cover is an add on cover that you can add to your comprehensive or own-damage car insurance policy by paying an additional premium. It covers the insured vehicle's engine against consequential damages resulting from lubricating oil leakage or water ingress. This add-on cover will help you meet the repair and replacement costs if your car's engine is damaged due to lubricating oil leakage or water ingression. Components such as gearbox, pistons, connecting rods etc., are also covered under engine protect cover.

Will my regular car insurance cover my engine?

Consequential damages to your car’s engine is not covered under the comprehensive car insurance and stand-alone own damage car insurance policy. You need to purchase an engine protect cover as an add-on to provide extensive coverage to your engine.

Why protect the car engine?

It is vital to protect the car engine to avoid paying high costs for repairing a damaged engine and ensuring that it lasts a long time. The engine protect cover provides coverage for any loss or damage sustained by the engine and its components due to oil leakage or water ingression and acts as a guard against any unanticipated engine repair costs.

What happens if the water enters the car engine?

If the engine comes in touch with water or is submerged in water, compression difficulties may occur since there is no space for water to flow. The connecting rods between the piston and the crankshaft will also begin to bend and ultimately break down.

Is it worth having an engine protection cover in car insurance?

Since your car's engine is the most expensive component of your vehicle, every repair or replacement of the engine part is also costly. As a result, purchasing an engine protect cover is well worth your money if you want to extend the life of your car's engine while also avoiding financial hardship.

What documents are required to have engine protect cover in car insurance?

When buying or renewing an engine protect cover add-on, you must have car insurance documents, vehicle papers, and basic KYC details on hand.

Reviews and ratings
on engine protect cover in car insurance

  • 4.5

  • Our customers have rated us

    Based on 832 reviews

Andleeb Mandai

I just purchased this car insurance policy because of the following reason even after getting cheaper offer from other competitors: 1. Proper follow up and prompt update 2. The way your team explained the feature of policy such as 24x7 road side assistance, zero depreciation, and high number of cashless garages etc. 3. Excellent customer service

Puneet Gupta

Your team was very helpful in telling the details of the premium breakup and the IRDA specific mandates. Unlike others, they informed me about the terms and conditions of zero depreciation coverage in the car insurance policy. Thanks for advising and helping with information.

Arvind Chauhan

Nice support and assistance given by your support team for renewal of my car insurance policy. Because of service and benefits offered by ICICI Lombard, I migrated from existing insurance firm to ICICI Lombard.

Asif Khan Chowdhury

Very helpful team of ICICI Lombard, they explained each and everything about the policy with patience which made me to buy car insurance right now. Thanks.

Shahnawaz Mateen

Thank you for the excellent service and clarification provided in even the minute details. Helped me a lot and I got a clear insight of the ICICI Lombard car insurance services. Thank you again. Keep up the good work.

Nilesh Date

I renewed my car insurance policy online, it was a very good experience I got a very nice guidance by your team. I would like to give 5 stars rating for the service.

Mithun Chakraborty

Your sales representative has been fantastic on his customer service skills. He has been very informative, and ensured that, I as a customer is completely comfortable before making the move to buy car insurance policy. Wish him good luck and graceful career ahead.

Sivakumar Kr

I am extremely satisfied with the way your Customer Support Executive addressed my need over phone and helped me renew my car insurance policy which was expiring today. His excellent service encouraged me to take this policy from ICICI Lombard instead of going to some other service provider. Keep up the good work.

Manoj Kumar

I was serviced by your team, they explained all the silent features of the car insurance policy and helped me to renew my car policy from ICICI Lombard.

Karthikeyan P

I am very much impressed with the customer care representative of ICICI Lombard, who helped me in the process of renewing my car insurance policy over the phone. She explained each and every information of a policy. Thank you.

Lyton Roy

I am really delighted by the support, guidance and behavior of ICICI Lombard representative. The way she has guided me it’s really outstanding. "A Brand cannot be created by advertisement, it can be created only by good Customer Experience" A real caring human touch for the customer. She is an asset for any Organization. All the Best, Thank You

Sarguna Raja Marimuthu

To whomsoever it may concern, would like to acknowledge the excellent support provided by ICICI Lombard team in purchasing a new car insurance policy. They explained me inclusion & exclusion of a policy. Great job. Please keep it up.

Neeraj Kumar

I spoke with one of your representative, she was brilliant in order to make me understand all the benefits of the car insurance and very calmly shared the exclusions. Amazing customer service given by her. I wish her all the best for all her future endeavors.

Vijay Choudhary

It was a pleasure interacting with your team to buy an insurance policy for my car. They had a great understanding of the product and its features. An absolute customer delight.

Senthilnathan C

Great follow up and persistence from ICICI Lombard team. They had clearly elaborated on the options and the plan available in car insurance. They had been following up for the last 20 days with patience. Kudos!!

Prashant Deshmukh

Hi! I received an excellent support from your sales executive to get my old Car Insurance renewed with ICICI Lombard. He explained all the intrinsic details about the policy that I was looking for. His explanation and inputs helped me to make a decision of buying this policy. I appreciate his customer centric approach and his patience.

Rajeev Palanki

I’d like to take a moment to express my appreciation for your team member, who was extremely helpful when I called the customer care to renew my Car Insurance policy 3001/76974158/03/000. It was good to start the year with a positive customer experience. Thanks

Satish Chandra

Thanks to your salesperson, my experience of purchasing car insurance from ICICI Lombard was remarkably smooth. She explained to me the advantages of the policy, such as personal accident coverage of Rs. 2 lakh, in a clear and simple language. I’m really grateful for her assistance.

Arindam Sau

ICICI Lombard’s agent gave me complete information about the policy benefits, including roadside assistance and coverage against third-party legal liabilities. Moreover, she satisfactorily answered my queries, and made the policy buying experience seamless and easy for me. Thanks for being so supportive.

P.K. Dhar

I got a prompt and excellent service from ICICI Lombard while purchasing a car insurance plan. Your agent gave me a comprehensive explanation about the benefits of the policy, including roadside assistance for accommodation and minor car repairs. Thanks for the fantastic experience!

Vikram Singh Kaintura

I had a nice conversation with your customer care executive. He explained clearly the ins and outs of your car insurance plan including benefits such as inbuilt personal accident coverage. The polite way in which he answered each and every of my questions convinced me to purchase the policy.

Jigar Katoriya

My experience with ICICI Lombard’s customer care department has been very good. The executive that I spoke to was professional and courteous. Though the system faced some issues with the login and vehicle description, all in all, the process of policy purchase was very easy for me.

Sridhar K.

I’m delighted with ICICI Lombard’s customer service. The customer care person was very meticulous with his follow-ups, and ensured that the process of buying the car insurance policy was quick and easy for me. Good work! Keep it up.

Rahul Thathoo

The agent handled our interaction in a smooth and professional manner. She was able to resolve the technical glitch I’d been facing while buying ICICI Lombard’s car insurance policy online. I really appreciate her patience, and wish her great success for the future.

Arun Saxena

I received excellent support from your customer service associate while purchasing my car insurance policy. She made regular follow-ups, resolved all my queries, and really managed to convince me to become a policyholder with ICICI Lombard. God bless her!

Hemant Srivastava

Just bought a car insurance policy from ICICI Lombard. Your agent helped me to understand the benefits of the policy, such as coverage against third-party liabilities as well as roadside assistance for minor repairs and accommodation. She deserves a good rating for providing me with much-needed guidance.

Eshwar Pavan Manthena

The salesperson was of great help to me while I was buying car insurance from ICICI Lombard. He showed genuine interest in answering all my queries, and helped me to complete the purchase. Appreciate his patience. Keep it up!

Bala Showry Raju Pudota

I renewed my car insurance with ICICI Lombard today. I’m happy with the comprehensive explanation of the policy provisions that was provided by your customer service associate. He even helped me to buy an accident insurance plan. Appreciate the support.

Jayamurugan Natarajan

I would like to thank your customer sales representative for helping me choose the right policy for my car. She shared with me all the information I’d requested for with regard to your insurance plan. Kudos to her for the excellent support!

Nitin Baban Pabal

My conversation with your insurance advisor regarding the purchase of my car insurance plan turned out to be quite nice. He simplified the ins and outs of the policy, principally the advantages such as personal accident cover of Rs. 2 lakh. Thanks for the lucid explanation!

Narasimha Rao Gopisetty

I’d been looking up car insurance quotes online when your executive gave me a call. She sold me the idea of renewing my insurance with ICICI Lombard by highlighting the policy benefits like personal accident cover of Rs. 2 lakh, and coverage against third-party legal liabilities.

Praveen Redddy

Had a smooth, hassle-free experience while buying car insurance from ICICI Lombard. The customer service representative gave an excellent description of the policy advantages such as cashless services across an expansive network of garages. I am glad to have made the decision to buy the plan.

Radhakrishnan A.R.

Your executive spoke with me for nearly an hour in order to help me buy the right policy for my car. His precise answers to all my insurance queries has left me impressed. His dedication and devotion to his work is clearly evident. I wish him a successful career with ICICI Lombard.

Saurabh Prasad

ICICI Lombard’s executive was very diligent with his follow-ups. He responded to my queries in a courteous manner, and guided me through the purchase of my car insurance. I would love to interact with him again in the future for any insurance needs. Thanks for being so helpful!

Adarsh Kumar Singh

Received timely assistance from your customer service department when I was looking for guidance with regard to buying car insurance. The agent had good communication skills, and explained all the important details about the policy such as the inclusions and exclusions of coverage.

Suhel Singh

Your customer service associate came to my aid when I was looking to switch my car insurer. He helped me in the best possible way to renew my policy with ICICI Lombard. Really appreciate the guidance I was provided with during the purchase.

Palanisamy Aspa

I’d been on the hunt for a new car insurance company, and so decided to get in touch with your team. Your executive answered my queries regarding the renewal process. Her good technical knowledge of the policy prompted me to renew my car insurance with ICICI Lombard.

Raja Rajeshwaran

A big thumbs up to ICICI Lombard’s customer service! The insurance advisor I spoke with was very patient, and convinced me to buy the car insurance policy. Hope to receive a high standard of service from your other advisors too. Thanks.

Kapil Kumar

Thanks to your salesperson, I was able to buy car insurance from ICICI Lombard without any complications. She was polite and respectful, and gave some valuable assistance to help me out with the purchase. I’m fully satisfied with the service provided.

Varagunan Sambandam

Your agent spoke clearly and gave me a succinct outline of your car insurance plan. He simplified the policy buying process for me by walking me through each and every step. Looking forward to a good experience from ICICI Lombard in the future too.

Varad Sawant

I’ve renewed several of my insurance policies in the past, but my experience while renewing car insurance with ICICI Lombard was the best. Your agent explained clearly and understandably all policy-related details. I’ve decided to renew all my other insurance plans with you in the future.

Rajnesh Dagar

Just bought a car insurance plan online from ICICI Lombard. The salesperson explained to me the policy provisions in a clear manner, especially the benefits such as coverage on replaced parts of the car. He helped me to choose a suitable plan for my insurance needs. I would like to thank him for his support.

Abhineet Mittra

Thanks to your customer support associate, I was able to get the best insured declared value (IDV) and maximum number of add-ons, including a free Carnot device which keeps track of my car’s health. He also explained the features of your car insurance plan in detail and later, helped me to complete the payment online.

Vishnu Sarkar

Your salesperson walked me through the terms and conditions of your car insurance plan. She spelled out clearly the policy features like coverage against loss or damage to the car by natural and manmade calamities, and other facilities offered by ICICI Lombard. I would like to wish her all the best for the future.

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ICICI Lombard General Insurance Company Limited,

ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025.

Reg. No.115

Fax no - 022 61961323

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ICICI Lombard General Insurance Company Ltd. is one of the leading private sector general insurance company in India offering insurance coverage for motor, health, travel, home, student travel and more. Policies can be purchased and renewed online as well. Immediate issuance of policy copy online.

ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. CIN: L67200MH2000PLC129408

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