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

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

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Engine protect cover

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.

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

Share

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

Hospital cash cover

Pick

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

Donor expense cover

Pay

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.

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