Engine Protection - A Must Have Insurance Policy Feature

Water is the biggest enemy of a car's engine. With the onset of monsoons, a lot of you might be getting messages from your insurers regarding do's and don'ts in case your car gets stuck in the water. This is because every monsoon the insurers are flooded with claims of engine seizures due to water ingression. With this post today we will tell you more about the engine protection feature of an insurance policy and why it is important.

In general, if your car engine is seized due to water ingression it isn't covered in insurance. This is because the specific case of water ingression isn't treated as an accident. To make matters worse you may try starting your car while it is in water causing more damage to the engine and further reducing your chances of getting a claim.

Man gets £100,000 Bentley stuck in flood water - YouTube

Engine protection covers any damage to the engine arising out of accident or due to water ingression. The cover is an add-on cover and specifically covers damages to the engine. It does increase your insurance price but is worth the investment especially for people who live in low lying areas and areas that receive heavy rainfall.

However, there are certain steps that you should take in order to limit damage to your engine in case the car gets stuck in the water. The major step is not to try to start the car engine. Leave the car and contact your insurer as well as the authorized service center to arrange for towing away of the car. The towing away service is free in case you have opted for Road Side Assistance in your insurance policy or in case you have signed an Annual Maintenance Service Contract with your authorized dealer.

If your current policy doesn't have the feature of engine protection then you need to wait for the renewal of policy when you can opt for this feature. For more information on motor insurance policy features and to get your best quote, reach out to us on finriseinvestment@gmail.com or +91-8568953926.

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