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Engine protection cover in bike insurance

  • Covers engine and gearbox parts damage
  • Helps reduce out-of-pocket expenses
  • Useful for new and expensive bikes
Recent quote

HONDA MOTORCYCLE - ACTIVA (102CC)

IDV: ₹5,00,000

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₹6,353 + GST
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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.

What is engine protection cover in two-wheeler insurance?

Engine Protect Plus (also known as engine protection cover) is an add-on available in two-wheeler insurance products. It pays for the expenses incurred on repairing or replacing your two wheeler’s engine and gearbox parts due to damages caused by water ingression or leakage of lubricating oil. The engine is the heart of your two wheeler and replacing or repairing it can be quite expensive. The engine protect plus add-on compensates you if you need to do so and reduces your expenses significantly. Two-wheeler insurance , commonly known as bike insurance, provides coverage for bikes and scooters.

Features and benefits of engine protection cover

Here are some distinct features of engine protection cover in bike insurance:

Coverage for damaged engine

Your bike’s performance depends significantly on the health of the engine. If your engine suffers any damage due to leakage of lubricating oil or water ingression, it can affect your bike’s performance. Engine protection add-on helps you repair or replace your damaged engine promptly and hit roads quickly.

Coverage for gear box parts

The engine protection cover not only compensates expenses incurred on replacing or repairing a damaged engine but also gear box parts. Note that, like the engine, repairing gearbox parts can also be quite expensive. This cover ensures you can quickly replace damaged gearbox parts without worrying about high costs.

Saves out-of-pocket expenses

The cost of replacing or repairing a damaged engine and gearbox part can run into several thousand rupees. Paying for them from your pocket can pinch you hard. However, an engine protection cover can significantly save out-of-pocket expenses. It also gives you peace of mind as you know you won’t have to pay for a damaged engine from your savings.

What’s covered and not covered under engine protection cover in two-wheeler insurance?

  • Inclusions
  • Exclusions

Inclusions

  • Repairing or replacing a damaged engine and gearbox parts due to water ingression
  • Repairing or replacing a damaged engine and gearbox parts due to lubricating oil

Exclusions

  • Losses caused by any faults or defects existing at the time of policy inception
  • Any claims related to loss or damage due to wear and tear
  • Losses caused due to ageing and depreciation
  • Cost of lubricants in case of loss due to leakage and flushing of consumables
  • Any claim where the repair has been carried out without prior approval from the insurer
  • Any claim which is intimated after 30 days of the happening of loss or damage
  • Repairs or replacements arising due to accidents under the influence of liquor or drugs
  • Damages sustained while driving without a valid licence
  • Losses incurred due to illegal racing

Who should buy an engine protection cover in bike insurance?

You can consider buying an engine protection add-on if:

  • You live in a flood-prone area: Water can enter the engine during heavy rains or floods and cause serious damage.
  • Your bike is new or expensive: If your bike is new and expensive, it’s wise to opt for this add-on.

How to raise a claim under bike insurance?

To make a claim from your bike or two-wheeler insurance policy:

1

Intimate the claim

The first step is to inform us immediately about the claim. You can do so via calling our toll-free number (1800 2666). You can also lodge your claim via our website or through the IL Take Care app.

2

Complete video survey

Get your loss assignment/digital survey done via our IL TakeCare App. Ensure to add details like short description of damage and its location, date and time.

3

Submit the required documents

Submit the required documents along with the claims form. The basic documents you need to submit are policy copy, copy of registration certificate, repair invoice, garage estimate, driving license, etc. To know the list of documents you need to submit, click here.

For more information about our claim process, please click here.

Two wheeler insurance blog articles

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Honda Unicorn engine oil capacity is generally around one litre, depending on the variant. Using the correct oil grade and following timely replacement intervals supports smooth performance. Monitoring warning signs and maintaining insurance coverage helps manage repair and damage-related expenses.

24 Mar 2026
Bike Fuel Tank Capacity: Everything You Need to Know

Bike fuel tank capacity influences riding range, refuelling frequency and suitability for daily or long-distance travel. Capacity varies by segment such as commuter, cruiser or adventure bikes. Fuel efficiency, maintenance habits and insurance coverage also impact overall ownership planning.

20 Mar 2026
Fuel Injection in Bikes: A Detailed Guide

Fuel injection system in motorcycles controls fuel delivery using sensors and ECU for improved mileage and smoother performance. Knowing its components, types and common issues helps maintain efficiency and manage repair costs with suitable insurance coverage.

18 Mar 2026
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Frequently asked question on engine protection cover in bike insurance

Is engine damage covered in regular bike insurance?

No, standard bike insurance does not cover engine damage. An engine protection add-on compensates you for the damages the engine and gearbox parts suffer from water ingression or lubricating oil.

When should I buy an engine protection cover?

It’s wise to buy engine protection cover when purchasing or renewing your bike insurance policy.

Is engine protection cover worth it for a two-wheeler?

Yes, especially if you live in areas prone to flooding or if your bike has a high-end or expensive engine.

Will the claim be rejected if I try to start the engine in waterlogged areas?

Yes, if damage occurs due to negligence, such as starting a bike in a flooded area, the claim may be denied.

How long is engine protection cover valid?

It is valid for the policy duration, usually one year. You need to renew it annually along with the base policy.

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Disclaimers:

The above content is for information and knowledge purpose only. For detailed understanding, kindly refer the policy wording of the Engine Protect Plus add-on available in various Motor Products. Engine Protect Plus is available only with base Motor Product.

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