A car is a machine that makes our life easier. With the invention of carpooling inculcated by our neighbors and the taxi companies as well, the usage of cars is becoming more and more environment-friendly this present day. There are certain car manufacturers bringing eco-friendly, battery cars and liquefied petroleum gas cars, which are less harmful than the original petrol and diesel ones. Now that car manufacturers are putting effort to make their products eco-friendly, it is high time that we do our bit.
People worldwide are proactively operating in the direction of protecting their everyday essentials, why not cars which we buy after shelling out lakhs? Not just with security equipment like anti-theft alarm or a break lock, the best and the highest degree of protection with insurance.
Auto insurance covers the expenses arising out of an accident, theft or total damage of the car due to man-made disasters like terrorism, vandalism, riots or acts of miscreants and natural disasters like cyclone, earthquake and floods etc. This protective cover stops us from spending one or more money out of our own pocket. Also, our government has made it mandatory for the owners of all vehicle types to have auto insurance regardless of their sizes. A few insurance providers India has are Bharti AXA Car insurance, Tata AIG car insurance, Royal Sundaram car insurance etc.
Engine Protection Cover
Engine is the heart of a car. The engine works in a means where it converts one form of mechanical energy into another and thus enables the cat to move. The engine is the first part of a car that is affected by a natural calamity like flood. In case the engine comes in contact with water or the car gets submerged in the water, the engine gets damaged and needs instant repairing or replacement. This process costs a lot, as engine is an integral part of a car and this is a situation where car insurance covers the expense and help you out financially. Policy providers like Bharti AXA Car insurance have a list of add-ons that you just can embody in your auto insurance policy.
A car insurance policy comes up with lots of add-ons that cover the expense incurred for repairing your damaged car. These add-ons assist in covering specific aspects of the car, which an everyday car insurance policy does not cover. This is where an intense research about the car insurance will help because if you have decided to believe the word of your insurance agent then you will conclude up spending a lot from your personal pocket.
Who should Buy the Engine Protection Add-On Cover?People living in a flood-prone area or operating near a water bodyPeople who own high-conclude cars for which the cost of damaged engine repairing would be means more than that of a normal carPeople who need to steer clear of all kinds of financial risks
Here�s a list of add-ons that you just can embody in your car policy at an additional cost:
Quick roadside assistanceEngine protection coverZero depreciationElectronic circuit protection coverReturn to invoiceNo claim bonus protectionPersonal accident coverKey replacementDaily cash allowanceLoss of personal belongingsThird party coverageHospital expense coverage
These add-on covers will lead to a smooth, trouble-free claim settlement process and cover all major expenses, especially when it comes to engine and electronic protection cover.
Generally, add-ons are allowed to be integrated in case of a comprehensive car insurance policy, which generally does not cover damage cost that you just incur for a car engine or any of engine�s parts like piston, pins, crankshaft, cylinder, gearbox etc. An engine protection add-on will cover all the costs and offers a protective shield against the damages occurred due to engine malfunction, lubricating oil leakage, ingression of water, hydrostatic lock etc. With the Indian roads getting water logged at even the slightest spell of rain, the scenario of a car�s engine getting damaged is quite widely used this present day. If you are in a rain-prone location in India, go for a policy that covers engine expenses or has add-on coverage for engine damage expenses.
You might be thinking of why protect the engine? Well, the engine must be protected with insurance because it is the most expensive part of a car, and its repairing cost is very high. An engine is termed the heart of any vehicle and it must be protected. With insurers like Bharti AXA car insurance, if you have a policy and the engine protection cover add-on and your car engine is damaged, they are just a call away and the engine repair or replacement (whichever required) will be done in a Bharti AXA car insurance authorized garage.
What does an Engine Protection Add-On Policy Include?Expenses against damages due to the leakage of the lubricating oilExpenses against damages caused due to ingression of waterExpenses against damages due to gear box malfunctionHydrostatic lock expenses � the lock when you attempt to retry to start a rainy engine after a flood or water ingression. Cranking an engine which was submerged under the water may trigger ignition and might damage the engine. This will be treated as a deliberately done damage to the engine and your claim request might be rejected.
The coverage under engine protection cover varies with the insurance companies. Always read the fine print or the regulations before signing up for a policy.
A standard hatch again engine�s normal repair cost would be around a lakh and a fifty thousand, which does not embody the plastic and the metal part that would bring up an additional cost of thousands. A regular comprehensive car insurance policy does not cover all these costs and you conclude up spending a hefty amount with out a financial cover. However, if you are wise sufficient to choose an engine protection add-on cover while purchasing the policy, you can claim this amount from your insurer.
What is not Included in the Engine Protection Add-On Coverage?
Despite the indisputable fact that you just have a valid engine protection add-on cover, there are high chances that are your claim will be rejected if you do either of the following before calling the insurance individuals about the damage to the engine:
Try to force start your car when it is submerged under the water has rainy engine. The engine, generally, is designed to fullyyt shut down and not let the water in, and trying to start engine forcibly will let the water in and cause incredible damages main to claim rejectIf you try to drive a car with a damaged bonnet, the lubricating oil might enter the engine. This scenario would come under deliberate damages/consequential damages. Since the damage is a consequent going down and not due to the accident, your insurance claim might not be validated.Add-ons come with a limited validity. Only one claim per add-on is possible inside the insurance policy period and for another claim to be made, an extra add-on has to be purchased.This add-on is applicable for cars that are not more than 5 year historic.Conclusion
Use the expertise of insurers and you can call on their customer care toll-free number to get all the details about a car insurance policy before settling upon the right policy with the right add-ons.
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