Do car insurance policies cover engine protection by default?
Most car insurance policies do not offer protection for the engine and electronic circuit. This is because, most of engine related issues are covered by the manufacturer’s warranty. However, there will be some exclusion for manufacturer’s warranty.
It is a good idea to check with your car insurance service provider about the details of protective coverage before opting for a car insurance policy. In case if your insurance company is not offering coverage for engine protection, it is a good idea to opt for an engine cover insurance add-on. Since engine is the core of any vehicle, always make sure your car engine is protected at all time. Engine cover also offers protection to the engine and electronic circuit especially in case of flooding. Since water logging during the rainy season is quite common, it is ideal to opt for such an insurance add-on if your location is prone to it.
Engine protection is generally not part of your basic insurance package, but you can buy it as an add-on cover. In fact, it is recommended that you bolster your Car Insurance with this add-on. This add-on cover is especially important for people who have purchased high-end, expensive cars.
If your car is too old, or if you are purchasing a second-hand car, then you might not be eligible for this add-on or might have to pay a bigger premium to get this cover. The good news is that in most cases an engine protection plan also covers all those repairs to the engine which don’t result from an accident.
Any damage to your car engine can blow a big hole in your pocket. With this cover, you can ensure that your finances don’t get hurt if a major repair is in order.
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