It is common knowledge among two-wheeler owners that insurance is a mandatory requirement. Alongside your bike’s registration formalities, its insurance cover is also required. There are essentially two types of bike insurance policies that can be opted for: a third-party policy or a comprehensive policy.
With third-party insurance cover, only the liabilities that become due to third persons are covered. Whereas it is a limitation in the policy coverage, you can opt for a comprehensive policy. Using a comprehensive bike insurance plan, not only the damages to your bike are covered, but also the coverage is customizable. One such add-on is the engine protection cover.
A standard comprehensive policy provides far more benefits than its counterpart, the third-party plan. However, it also has some limitation in its coverage. For instance, the depreciation component of your bike lowers the claim pay-out. Similarly, damage to the engine is not covered by this standard comprehensive policy. Either due to oil or water damage, the engine can break down thereby leading to hefty repair costs. This is a more common occurrence during monsoon and staying prepared comes in handy, especially if you reside in a flood-prone region. You can customise this coverage using add-ons that are optional features to be purchased either at the initial purchase or two-wheeler insurance renewal.
What is an engine protection cover?
Engine protection cover is an optional add-on facility that is available with your bike insurance policy. This cover ensures protection from damages to your engine which can be either due to water ingression or other reasons.
How bad is water ingression for your engine?
During monsoons, a common cause for engines stalling is waterlogging. This can often result in you being stranded on the road during a heavy downpour. If you try to crank the ignition at such times, the water enters the combustion chambers thereby not producing adequate heat for the engine to start. This is also known as a hydrostatic lock. If you attempt to start your bike at such times, it can not only damage the engine, but also other components like the gearbox. Since the cost of the above repairs can be substantial, it is best to opt for an engine protection add-on.
What repairs are covered under-engine protection add-on?
The engine protection add-on covers the following expenses:
- Repairs to your bike’s engine due to water ingression.
- Repairs to the engine and its components because of lubricating oils leaking out.
- Repairs to the gearbox and other related spares as a result of physical damage.
- Repairs are required to the engine due to a hydrostatic lock.
Who should opt for an engine protection add-on?
This add-on is recommended for all since it not only covers monsoon damages, but also other repairs required to the engine. Since it is an additional feature to the comprehensive policy, it impacts bike insurance price. For those who reside in flood-prone regions, it is highly advisable to add-on cover.
This is how engine protection cover simplifies bike repair costs for you. So, make the right move and opt for an engine protection cover today! Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.