What is Engine Protection Cover in Bike Insurance

What is an Engine Protection Cover?

An engine protection cover is extra insurance that helps protect your bike's engine. The engine is a very important part of any bike, helping it run smoothly and stay in control on the road. Accidents or natural events like floods can damage the engine, making repairs very expensive. For example, water can enter the engine during a flood and slowly harm how the bike works.

Engine protection cover helps pay for repairs or replacement of the engine. This is not included in regular bike insurance but is an important add-on to protect your engine from expensive damage.

Benefits of Adding Engine Protection Add-On Cover

Here are the benefits of adding engine protection cover to your bike insurance:

• Covers the Most Important Part of the Bike: The engine is considered the heart of your bike. Waterlogging or accident damage could run into thousands of dollars. But engine protection will cover all that.
• Better Financial Security: Bike insurance acts as protection for your bike against unforeseen circumstances. Adding protection to the engine increases the security of being compensated in case of repair after any accident.
• Quick Repairs: Engine repairs can be pricey, and people sometimes delay them due to the money spent. With engine protection cover, you can get it repaired quickly, and in most cases, the insurers refer to their network garages for cashless claims.
• Peace of Mind: The biggest benefit of the same is peace of mind. You know that your engine is protected, and you are financially covered in case of repairs, so you have less to worry about.

Inclusions and Exclusions in Engine Protection Cover

It's important to know what is and is not covered under the Engine Protection Cover to make better decisions.

1. Inclusions (What is Covered)

• Water Entry: This policy covers engine damage from water getting inside, especially during floods or heavy rain.
• Oil Leakage: Covers damage caused by leaking engine oil that harms how the engine works.
• Engine Damage: Covers internal damage to engine parts from non-accidental causes.
• Hydrostatic Lock: If water enters the engine and prevents it from starting, repair costs are covered.
• Gearbox Damage: The insurance company also pays for repairs or replacement of the gearbox.
• Undercarriage Damage: This add on covers any damage to the bike undercarriage.
• Labor Costs: It also covers the labor needed for engine repairs or replacement.

2. Exclusions (What is Not Covered)

• Wear and Tear: The regular wear and tear of engine parts is not covered in the add-on.
• Negligence: Damage caused by ignoring engine problems is not covered.
• Not Changing Oil: If the engine is damaged because you didn't change the oil as required, it won't be covered.
• Force Starting: If you try to start a flooded bike engine and cause damage, it won't be covered.
• Manufacturer's Warranty: If the damage is covered by the manufacturer's warranty, it's not included in this insurance.
• No Proof of Water Damage: If you can't prove the engine damage was caused by water, it won't be covered.

How To Raise a Claim For Engine Protection Add-On?

Follow these steps to make a smooth claim for engine damage:

Step 1: Inform the Insurer

Contact your insurance company to report the engine damage. Tell them the exact reason, if it is an accident or natural events like a flood.

Step 2: Take Photos/Videos

Try to take clear photos or videos of the damaged engine or while trying to start the bike. This will work as proof and you can share them with the insurer by email or WhatsApp.

Step 3: Prepare Documents

Get all necessary documents and the claim form ready so you can submit them quickly when needed to start the claim process.

Step 4: Surveyor’s Visit

The insurer will send a surveyor to inspect your bike and its engine. Help them during the inspection as they will report back to the insurance company.

Step 5: Receive Compensation

Once the inspection is complete and the insurer approves your claim, the compensation will be processed, and you will receive the coverage amount within a few days.

Conclusion

If you own a bike and live in areas where floods or accidents are common, spending a little extra for engine protection is a smart choice. It helps protect your bike's engine, which is the most important part and gives you better value from your insurance. Keep these points in mind when choosing your insurance to keep your bike safe.