Car Engine Repair: Car insurance in India usually covers damages caused to the vehicle due to accidents, theft and natural calamities. But, is engine failure also covered by car insurance?
Car Engine Cover In Insurance: Car insurance in India usually covers damages caused to the vehicle due to accidents, theft and natural calamities. But, is engine failure also covered by car insurance? Means, can I claim insurance in case of engine failure? The answer is- Yes, the engine can be rectified with car insurance.
However, whether engine failure will be covered or not depends on the specific policy. Some policies may have a separate clause to cover mechanical and electrical breakdowns, wherein engine failure can be claimed. However, many policies do not cover engine failure or regular wear and tear on the engine.
In such a situation, care has to be taken while taking insurance for this. There are many types of coverage in car insurance, in which engine protection cover is also there but it is generally taken as an ‘add on cover’. So, if you read the insurance policy carefully and if you feel that engine protection cover is necessary, then get it added to the policy.
This coverage covers any damage to the engine, be it due to an accident or normal wear and tear. With the engine protection cover, you can claim for any damage that may occur to the engine. Then, the insurance company will check your claim and pay for the repair or replacement of the engine if found.