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Why Engine Guard In Car Insurance Is Important
Engine Guard in Car Insurance
When purchasing a car, you should also invest in a comprehensive car insurance policy to protect your car from damage caused by accidents, natural disasters, theft, fire, riots, etc. Moreover, as per The Motor Vehicles (Amendment) Act, 2019, it is mandatory to purchase car insurance in order to ply your vehicle on Indian roads.
If you are looking forward to purchasing a comprehensive car insurance policy, you can also consider opting for some add-ons for enhanced protection. For instance, if the engine and/or its parts are damaged, the engine guard in the car insurance can save you financially from any accidental damage costs. A comprehensive automobile insurance policy does not cover damage to the automobile engine or its parts, such as crankshafts, pistons, pins, cylinders, gearboxes, due to wear and tear etc. However, with an engine guard add-on, you can get the engine of your vehicle covered and avoid financial losses in case of accidental damage.
During the monsoon, roads and streets are mainly flooded. If water enters the engine, your car may have a problem. Since this type of engine damage is not covered by your normal comprehensive insurance policy, you would need the engine guard cover provided under Private Car Insurance Policy - Package by SBI General Insurance for a better protection of your vehicle.
What is an Engine Guard Cover and What are Its Benefits?
Engine guard, also known as engine protection cover is a supplement to car insurance, providing financial protection for any damage to the engine of the insured car. The engine of the insured car can be damaged due to coolant leakage, lubricating oil leakage, hydrostatic locking due to ingress of water, etc. Since the engine is an expensive component of a car; its maintenance costs are also high. Thus, having an engine guard cover becomes all the more important.
The engine guard add-on in a car insurance provides coverage in the following scenarios:
An engine guard cover can be beneficial especially during monsoons, floods, natural disasters, etc. Also, if you buy a new car or own an expensive car, engine repairs or replacement parts can be expensive, and that’s where engine guard add-on can come to your rescue.
How Does Engine Guard Cover Work?
The engine guard cover is an add-on that covers any loss or damages to the engine of the insured vehicle. For instance, during the rainy season if there is water-logging in your area, there are chances that the rainwater may accumulate in your parking lot. This can result in the water entering the engine of your car causing damage. In such cases, if you do not choose the engine guard add-on, you will be required to pay the full amount out of your pocket. However, if you buy car insurance with engine guard add-on, you don’t need to worry about the cost of repairing and replacing the engine or its parts. You can be rest assured that your car's engine will be economically protected with the engine guard add-on.
Private Car Insurance Policy - Package (UIN: IRDAN144RP0005V03201112)
Engine Guard (UIN: IRDAN144RP0005V03201112/A0005V02201314)
Disclaimer: The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.
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