Do you need an Engine Protection add-on insurance cover?

The law mandates all vehicles plying on Indian roads to be insured with an appropriate motor insurance. The minimum general insurance coverage may not be adequate for all vehicles, and hence, insurance providers offer a bouquet of add-on covers for the benefit of policyholders.

Opting for add-on insurance coverage definitely increases your premium amount; but, in the long run, you will save big. This is particularly significant in the unfortunate event of your vehicle meeting with an accident. One such add-on cover that provides very valuable protection to your asset is the Engine Protector insurance. Your basic insurance cover may not protect this vital part of the car, and hence, it is wise to invest in this add-on.

The significance of protecting your engine

The most expensive part of your car is its engine, and any repair work on it can amount to a large sum of money, owing to material and labour charges. A car’s engine is also vulnerable to serious damages during the rainy season due to waterlogged streets. This is where the Engine Protector add-on cover can be of significant benefit. This owner against the following situations:

  • Lubricating oil leakage
  • Gearbox damages
  • Hydrostatic lock, that is caused when you try to start a wet engine multiple times
  • Water ingression

The massive cost of repair of the engine, the gearbox, and the electronic circuits can all be reimbursed if your car is protected by the engine protector add-on cover. This insurance is highly advisable for people living in cities that are prone to floods or waterlogging.

Engine Protector cover exclusions

Although this add-on is extremely beneficial during the monsoons, it should be noted that it comes with certain exclusions.

  • The insurance company will not honour your claims, if damages were incurred to your car when it was started while submerged in water. This is because triggering the ignition repeatedly will damage the car’s engine, and such an act will be considered as deliberate.
  • If your engine was damaged in an event subsequent to an accident, such as an oil leakage, the insurer is unlikely to pay for the engine repairs.
  • Most insurance providers offer this cover only for cars that are less than 5 years old.
  • Under this cover, a policyholder is restricted from making more than two claims in one policy year.

Popular Engine Protector add-on covers

  • Bharti Axa Hydrostatic Lock Cover - This add-on cover pays for the repair of car engine parts that were damaged due to water ingression and hydrostatic lock. The replacement or repair of parts should be done in their authorised garages across India. The insured is also required to be the first registered owner of the vehicle.
  • HDFC Ergo Engine and Gearbox Protector - This add-on cover provides protection to the engine and gearbox of the vehicle from damages arising out of oil leak or water ingression.
  • Royal Sundaram Engine (Aggravation) Protector Coverage - This cover protects against damages to internal parts of the engine, the gearbox, transmission or differential parts, and the power-steering pump. The cost of labour, consumables, and lubricants required to undertake the repair are also covered under this scheme. This cover is, however, available for vehicles upto three years of age only.
  • Bajaj Allianz Engine Protector Cover - This covers the cost of replacement or repair of the gearbox and the engine. The labour cost for the repair work is also covered under this add-on insurance scheme.


Whether you are looking to safeguard your car engine against damage due to accidents or moisture during the rainy season, an engine protection add-on cover will provide you the necessary protection. In short, you don’t need to trade an arm and a leg for engine repair if your auto insurance policy has the right inclusions.

Frequently Asked Questions (FAQs)

  1. Why should I opt for Engine Protection add-on insurance cover for my car?

    Engine is, in general, one of the most expensive parts in a car. Thus, the charges for repair or replacement for any parts of the engine or the engine as a whole will be proportionally expensive. Hence, it is advisable to get an engine protection add-on cover along with your regular car insurance.

  2. Is engine protection added to my car insurance policy by default?

    No, engine protection is an add-on plan. It is not added to your general third-party liability or comprehensive car insurance policy. Thus, the loss of parts of the engine will not be covered under the insurance policy.

  3. What are the exclusions in the case of an engine protection add-on cover of your car insurance policy?

    There are a few things which are not covered under an engine protection add-on cover for your car insurance policy. These are as follows:

    • Expenses which arise out of damages caused by the leakage of lubricating oil in the engine
    • Expenses which arise out of damages caused to engine or engine parts by water damage
    • Expenses which arise due to the damages incurred by a gear box malfunction
    • Expenses which arise due to deliberate damage done to an engine for example hydrostatic lock expenses, and so on.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

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