Monsoon brings relief from the intense summer heat. With rains already touching different parts of the country, you need to make sure you are monsoon ready. As rains bring joy and delight, there are a few negative consequences too. These are especially observed in the urban jungles where problems of waterlogging and floods are notorious. Not only these problems damage human life, but also vehicles. Thus, you need to be prepared with a vehicle insurance policy to safeguard your car or bike.
When you purchase vehicle insurance online, the coverage is pre-defined from the start – be it a third-party cover or a comprehensive plan. For some buyers, the standard coverage offered by motor insurance policies are enough, whereas for some they aren’t. Here’s where the concept of motor insurance add-ons comes into picture.
Add-ons are optional features that are available upon buying a comprehensive insurance cover. They help to not only enhance, but also customise the coverage of your insurance policy. Further, these add-ons can be bought right at the start, i.e. initial policy purchase or event at a subsequent renewal. Among the many add-ons that you can buy, an engine protection add-on is the one that protects your vehicle’s engine against water damages. It especially comes handy during the rains. Let’s a have a look –
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How are engine protection covers useful?
All motor insurance plans have certain limitations with regard to its coverage. A third-party cover is limited to provide coverage for third-party liabilities. Similarly, a comprehensive plan excludes the electrical as well as mechanical damages to the car. In addition, repairs to the engine are also excluded. Thus, any water damage to the engine during monsoon will require you to pay from your pocket; but not when you have an engine protection add-on.
Waterlogging on the streets and parking lot make it difficult to protect your vehicle. This is when the water level rises and enters the engine. If such engine is cranked up, the water enters the engine block not allowing the combustion to complete in full. More of these attempts to start the engine result in a hydrostatic lock. With an engine protection add-on, any such unexpected water damages are covered under the insurance policy.
What is covered under the engine protector add-on?
Here are some of the expenses included under engine protection cover:
- Any repairs required due to leakage of fluids like oils, coolants inside the engine requiring a replacement or repairs.
- Any water ingression damaging the engine and its related components like crankshaft, gearbox, pistons, etc.
- Damages as a result of hydrostatic lock which occurs when water enters the engine block and it is turned on.
The engine protection add-on is over and above your base comprehensive policy thus driving up the premium. However, when it comes to engine, any minor repairs can be expensive and thus advisable to purchase such add-on that enhance the coverage of your policy. So, the next time you are looking for a car insurance policy or two wheeler insurance policy, do consider the engine protection add-on for the various benefits it offers. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.