Does Car Insurance Cover Engine Damage Caused by an Accident?

Posted on January 05,2023


If the engine damage comes under the policy’s provisions, it is covered by car insurance. If a natural or man-made calamity harms the engine, the policy holder can make a claim if tehey have comprehensive car insurance. Car insurance is simple to obtain online from the convenience of your home.

Car insurance is mandatory according to the Motor Vehicles Act (1988) for anyone who owns a vehicle and uses it on the roads. Car insurance covers any insured damages caused to the car parts in case of an accident as mentioned in the policy document. Some car insurance policies provide coverage for an engine too. The cover can be in the main policy or can be purchased in the form of an add-on.

With Shriram Car Insurance, a customer can get car insurance that is guaranteed to protect their vehicle from any unforeseen accidents. It’s always best to consider buying a comprehensive insurance policy. With the cost of labour and spare parts, minor repairs tend to cost a lot. Shriram General Insurance offers unlimited claims up to the IDV (Insured Declared Value) amount declared in the car insurance policy. Let’s explore how car insurance covers engine damage.

What is Car Insurance and How Does It Work?

Car insurance is essential to safeguard your vehicle from damage that may occur from accidents or other unfortunate incidents. It is a policy that will cover the expense of thew damages caused to the car. The extent of the coverage depends on the type of insurance chosen by the policy holder. Third-Party car insurance coverage is mandatory according to the Motor Vehicles Act, 1988.

After deciding which car insurance suits the requirements of the car, the person has to pay the premiums and will have the car insured for a minimum period of one year. The policy details will outline and specify the conditions under which the insurance can be claimed. Keeping a physical copy of the car insurance in the vehicle is vital as it helps speed up the claims process if an accident occurs.

What Could Cause Car Engine Failure?

A car will not function properly if the engine is in a bad condition. The engine is one of the most expensive parts of the car and will be the most expensive to repair if it gets damaged. Ensure engine damage gets covered in the insurance or you can also purchase it as an add-on if needed. Knowing why an engine fails working can help prevent any unexpected incidents.

Water ingression: Floods or heavy rainfall can cause water ingression, leading to engine failure. If the water gets into a car, it can cause severe damage to the engine.

Engine overheating: If the engine gets overheated during a journey, it will stop working. A damaged cooling system or blown head gasket may cause this.

Low level of engine oil: If there is not enough lubrication oil in a car engine, it will lead to wear and tear over time, resulting in engine failure.

Does Car Insurance Cover Engine Damage?

Car insurance provides coverage for damages based on the policy purchased. A policy holder needs to review the terms and conditions of the insurance to know when they can claim the insurance for repairs.

Here’s a list of general conditions under which you can claim the insurance.

  • Impact of an accident breaks the car engine.
  • The engine catches fire.
  • If a person vandalises the car and breaks the engine.
  • If the vehicle is submerged in water and the engine stops working.

Here’s a list of general conditions under which you cannot claim the insurance.

  • Driving with low engine oil leads to a breakdown.
  • A worn-out belt damages the engine.
  • Any mechanical part of the engine fails on its own.
  • Damage due to a manufacturing error.

How to Get Car Insurance?

Insurance companies offer car insurance online and offline. Getting car insurance is simple and quick if you have the required documents. Online is the quickest way to get insurance and can be done from anywhere. Selecting a car insurance policy will depend on factors like the vehicle’s coverages and add-ons that can be included if required.

Shriram Car Insurance can be purchased through 3 quick steps. An individual can get instant assistance from our representatives, who will be ready to answer any queries about the insurance. Here are the 3 steps to get your car insurance online.

Step 1 – Open the Shriram General Insurance website and fill in a simple form in order to estimate the premium required according to the model, make and variant of the car.

Step 2 – Enter the correct personal details in the required fields. This will be the car owner’s full name and address.

Step 3 – Make the final payment online and the car owner will get the insurance instantly.

Should You Get Car Insurance?

Car insurance covers the vehicle including engine repairs and helps with heavy expenses that may be incurred due to car damage caused by natural calamities or accidents. The policy holder can keep their precious car safe with the insurance and avoid getting fined for not having one.

Purchase a Shriram Car Insurance to safeguard your car from unexpected expenses. Add-on along with the comprehensive car insurance, engine repair will be covered. A policy holder will receive instant help from the 24/7 customer care service. Our representatives will also address any queries related to insurance details and claims.


1. Does insurance cover engine damage due to accidents?

Yes. If the engine is damaged in an accident, the insurance will cover the cost of repairs if it is exclusively specified on the policy purchased. Some insurance companies offer an add-on that will specifically cater to engine-related repairs.

2. Can I claim insurance for engine repair?

Under car insurance, damage to an engine is covered if it is specifically mentioned in the purchased policy. The terms and conditions of the insurance will specify the situations under which a policy holder can claim the insurance.

3. What kinds of accidents are covered by car insurance?

The insurance covers natural calamities, man-made disasters and accidents with comprehensive car insurance. With add-ons, a policy holder can also have coverage for personal belongings in the car.

Key Highlights:

  • An engine is covered under car insurance if the damage caused to it falls under the terms of the policy.
  • Some insurance companies offer engine coverage add-on for better protection.
  • A policy holder can purchase comprehensive car insurance to claim the policy if the engine gets damaged due to natural or man-made disasters.
  • Car insurance can be easily purchased online from the comfort of your home.


Make your ride reliable, Insure it now! with Shriram General Insurance

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