Table Of Content
Introduction
Engine repairs can be very expensive, and your standard car insurance will not cover them. For this reason, many car owners consider getting an engine protection cover. This add-on to your comprehensive car insurance helps cover damages not typically covered by a standard policy.
Even under engine protection add-on cover, not all engine damage qualifies for coverage. This article explores whether an engine protection add-on will cover damage due to traffic-related wear and tear. It also explains how the cover offers financial protection.
Does Engine Protection Cover Traffic-related Wear and Tear?
No, the engine protection cover typically does not cover damage caused by traffic-related wear and tear. This add-on generally applies only to specific engine damage scenarios, such as hydrostatic lock and water ingress. It also covers damages caused by lubricant leakage only if they occur after an insured event.
Regular driving, prolonged idling, and frequent traffic congestion can cause damage and are considered regular wear and tear. Such damages are usually excluded from standard car insurance policies and from engine protection add-ons.
What Type of Damages Are Usually Covered Under Engine Protection Cover?
Here are all the types of damage that the car insurance company will consider in an engine protection add-on:
1. Gearbox and Transmission Repairs
Coverage is offered for transmission, gearbox or differential assembly. If the damage is due to water entry or lubricant leakage, the add-on will cover the cost of repairs and replacements.
2. Lubricating Oils Replacement
Replacing your engine oil and gearbox oil is crucial for improving your car's performance. The engine protection cover not only helps cover the cost of physical engine parts, but also helps cover the cost of replacing engine oil and gearbox oil.
3. Internal Engine Parts
Engine protect in car insurance covers the cost of repairing or replacing damaged internal engine parts. Oil leakage or water ingress can easily damage your engine's internal components, leading to failure. Replacing these parts can be expensive, and such damage is not covered by a standard insurance policy. Therefore, some vehicle owners opt for an engine protection add-on.
Read More: What Your Motor Insurance Covers
4. Water Ingress Damage
If your engine has been damaged by water seeping in through the floor or during heavy rain, the engine protection add-on may cover the repairs, depending on policy terms and conditions. Car owners in flood-prone areas sometimes consider this add-on as water ingress can cause serious damage.
Read More: How Engine Protection Cover Saves You From Costly Repairs During Monsoons
5. Support During Hydrostatic Lock
Driving through waterlogged areas can often cause engines to suffer from hydrostatic lock. Don't panic in such situations, as the engine protection add-on may cover expenses based on policy terms and conditions. The add-on will cover the required repair work, including labour and parts.
6. Lubricating Oil Leakage
Gearbox and engine oil leaks can lead to significant internal damage. The engine protection add-on will cover the repair costs, depending on policy terms and conditions. This ensures the car returns to proper working order without any additional costs.
7. Consumables Used in Repairs
The regular car insurance will not cover the cost of consumables used in repairs. However, the add-on extends coverage to consumables such as engine oil and filters, which may be required when replacing or repairing damaged parts. Nonetheless, the fuel costs are not included in the coverage.
8. High-end Engine Components
Modern cars have very sensitive engine systems. Damage to these premium components can lead to significant expenses. With the engine protection cover, you are protected against threats such as water damage or fluid leakage.
Read More: Understanding Engine Failure Coverage in Your Car Insurance.
What Type of Damages Are Excluded by Engine Protection Cover?
You should be mindful of the car insurance policy, especially regarding the engine protection add-on exclusions. If you get this add-on cover, knowing the exclusions helps to avoid unwanted high costs.
The key damages excluded by the engine protection add-on cover are as follows:
1. Depreciation, ageing, and regular wear and tear.
2. Damage or corrosion of the engine due to the delay in notifying.
3. Lack of proof about water ingress damage to the engine caused by waterlogging.
4. Cost of consumables and engine oil due to engine flushing.
5. If the engine damage falls under the car's manufacturer warranty, scheduled maintenance, or a recall campaign.
6. In case water recedes, the vehicle must be towed within 2 days. Any delay can result in a claim rejection.
7. Damage caused by the use of wrong or contaminated fluids.
8. Damage due to poor maintenance.
9. Preventable damage.
10. No visible evidence of damage.
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