Engine Protection Cover in Car Insurance
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Introduction
The engine is the most critical component of any automobile. The vehicle is rendered useless if the engine gets damaged or becomes dysfunctional for any reason. Repairing or replacing an engine can be prohibitively high, especially for high-end cars. Car owners can save a significant amount of money by purchasing insurance to cover engine damage. Hence, the engine protect add-on cover in car insurance is a must-have for every car owner.
What is the Engine Protection Cover in Car Insurance?
A comprehensive car insurance policy covers the expenses of repairs & replacement when the vehicle is damaged due to an accident or mishap. However, this policy may not cover the loss or damage to the engine.
The engine protection cover in car insurance is an add-on product that can be purchased along with the standard plan. This covers engine damage arising from accidents, oil leakage, overheating, water ingress, etc.
Importance of Engine Protection Cover
The UAE’s brutal weather can adversely affect the car’s engine. It has to be protected from the scorching summer heat and the risk of flooding in monsoon.
The tough road conditions in several parts of the UAE make the engine vulnerable to damage and may curtail its life.
A well-maintained engine enhances the safety and longevity of the vehicle. This is essential for people who drive every day.
Motor Insurance coverage pays for the expensive engine repairs & replacement and protects you against financial hardships.
How Does the Engine Protection Add-On Cover Work?
The engine protection cover insurance is an add-on policy. It is typically bought with a standard car insurance plan by paying an extra premium. The add-on covers expenses that are not covered in a regular plan. This includes the cost of the engine and other consumables, such as lubricants, engine oil, nuts & bolts, etc., that are needed for repairs.
The engine is the most critical and expensive component of your vehicle. It may suffer an electrical or mechanical breakdown and render the car obsolete. The engine protection cover provides financial assistance to repair or replace the damaged engine.
What Is Covered Under the Engine Protection Add-On Cover?
- Loss or damage to the engine and its components, such as cylinders, pistons, oil filters, and crankshaft
- Repair and replacement of the gearbox and its parts
- Hydrostatic lock damage due to forced starting of the vehicle during flooding when the engine is wet
- The service costs related to the repair or replacement of the engine, gearbox, and their components
- Engine damage due to overheating, oil leakage, and water ingress due to flooding
What is Not Covered Under the Engine Protection Add-On Cover?
- Damage to vehicle parts other than engine, gearbox, and their components
- Damages covered under the manufacturer’s warranty
- Damage due to regular wear and tear of the engine parts
- Filing of insurance claims without submitting adequate proof in support of engine damage. If the engine is damaged by water flooding, it is necessary to produce proof of water ingress causing damage.
Benefits of Engine Protection Add-On Cover
The engine is the car’s most critical and expensive component. So, having sufficient insurance coverage for the engine’s repair or replacement offers financial support to car owners.
Engine protection coverage pays for expenses that are not covered under standard comprehensive car insurance.
Car engines may easily get damaged due to overheating in the UAE. Certain areas are prone to heavy flooding during monsoon. Insurance coverage is highly beneficial in these situations.
A well-maintained engine reduces the risk of breakdowns, promotes road safety, and enhances the vehicle’s longevity.
Engine protection coverage offers financial protection and peace of mind to car owners.
Frequently Asked Questions on Engine Protection Add-On Cover
The car’s engine is the most crucial and expensive component. Loss or damage to the engine may not be covered under a standard car insurance policy. This add-on cover provides additional protection and saves a significant sum for car owners.
The engine protection cover in car insurance can be purchased only after you buy a comprehensive car insurance plan. It is an add-on policy to enhance the existing coverage.
Engine protection cover insurance is suitable for all types of cars. However, most insurers in the UAE do not provide this coverage to vehicles older than five years.
You can purchase the add-on covers at any time during the policy period. However, car owners should ideally purchase it when they buy a regular car insurance policy.
