A vehicle is one of the most prized and dream possessions for most of us. Buying a car is a dream which happens to us at least once during our lifetime. One looks after it from the external damages with utmost care and protection. However, a Motor insurance policy is a blessing for these car owners. It safeguards your vehicle when the vehicle is damaged by an accident; it becomes redundant when the vehicle is submerged in a flood. In this scenario, water can enter the vehicle engine causing it to cease, bringing the vehicle to a standstill. We keep seeing the manifestation of such situations caused by the heavy floods and other catastrophes in different parts of India. Vehicle owners carry a mindset that their car insurance policy will guard their vehicle against all sorts of damages including engine damage. However, damage caused to the Engine through water ingression due to cranking or repeated starting referred to as “Hydrostatic Lock” and it is not covered under a comprehensive motor insurance policy. This is because the damage is a consequence of cranking the engine and hence not a probability event.
Chassis is the heart of a car but engine carries the soul. It is the most crucial mechanical component of the vehicle. Any damage to the engine stills the vehicle. Getting it repaired can end up making you pay exorbitant charges. Sometimes it needs to be replaced in case of severe damage. This will get you with empty pockets out of heavy repair expenses. This headache can be removed by opting Engine Protect Cover to rule out Hydrostatic Lock. It also covers consequential losses to engine, gearbox, and differentials which are caused due to leakage of lubricants as a result of an accident.
This is an add-on cover to a car insurance policy. Usually, this cover is available at a marginal cost of about one-tenth to the overall motor insurance policy but extends its supremacy of preserving your saving in case of damage to the vehicle’s engine.
The most vulnerable to engine damage are diesel variant car models which come with high compression engines that are more prone to damages in case of the car getting submerged or driving through accumulated water. At the other end, luxury cars too are not immune and come under the sphere of engine damages due to water ingression. Owning an Engine protect cover assures you that you are giving your vehicle in safe hands, which are safeguarding your vehicle from all external and internal damages caused by an event which is beyond human control. No advance warning is being given about any disasters but shielding our possessions from the prospects is definitely a smarter choice.