Does Car Insurance Cover Engine Damage Caused by an Accident?


05 January,2023


02 April,2024

Does Car Insurance Cover Engine Damage Caused by an Accident

Table of Contents

    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.

    Is It Worth Investing In Engine Protection?

    In the automotive landscape, where uncertainties abound, discerning drivers often contemplate the necessity of insurance coverage for engine failure. Is it a prudent investment that yields tangible benefits, or is it an added expense that may not be worth the cost? Let us delve into the intricacies of engine protection, examining whether this coverage is a worthwhile investment for safeguarding your vehicle.


    1. Understanding Engine Vulnerabilities: Begin by interpreting and outlining the vulnerabilities that engines face during everyday driving and unforeseen incidents. From the risk of water ingression due to floods to the potential of engine overheating, grasp the scenarios where engine protection can potentially step in to mitigate financial burdens.


    2. Financial Implications of Engine Repairs: Engine repairs can compel vehicle owners to incur substantial costs, often catching them off guard. Explore the financial implications of engine damage and how engine protection coverage acts as a financial safety net, shielding you from unexpected and potentially burdensome repair expenses.


    3. Comparing Costs and Benefits: Evaluate the costs associated with engine protection against the potential benefits it offers. Weigh the financial impact of engine repairs without coverage against the relatively nominal cost of including engine protection in your insurance policy. This comparative analysis forms the foundation for making an informed decision.


    4. Real-Life Scenarios: Case Studies and Examples: Delve into real-life scenarios and case studies where coverage for engine issues proved invaluable. By examining practical examples, you'll gain insights into how this additional layer of protection can make a significant difference in the aftermath of accidents or unforeseen incidents.


    5. Expert Opinions and Industry Insights: Seek expert opinions and industry insights to augment your understanding. Hear from professionals in the automotive and insurance sectors, providing valuable perspectives on whether engine protection is considered a worthwhile investment in the broader context of vehicle coverage.


    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.


    How to Ensure a Smooth Claims Process?

    When it comes to claiming coverage for engine issues within your car insurance, a clear understanding of the process is essential for a hassle-free experience. Begin by promptly reporting the incident to your insurance provider, providing detailed information about the engine damage and the circumstances leading to it. Document the incident with photographs and gather any relevant supporting evidence.


    Next, initiate the claims process by contacting your insurance company's claims department. Follow their guidance to complete the necessary forms and provide all requested documentation, including the policy details, incident report, and any repair estimates. Ensure open and transparent communication throughout the process to address any queries promptly.


    Stay informed about the status of your claim and, if required, collaborate with authorised repair facilities for a thorough assessment. Timely submission of all required documents, coupled with effective communication, will facilitate a smooth and efficient claims process, ensuring you receive the support you need to restore your vehicle's engine to optimal condition.


    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.


    Navigating the intricacies of insurance coverage for engine failure is not just a matter of coverage but a strategic investment in the longevity of your vehicle. Understanding the conditions under which claims can be made, the value of add-ons, and the seamless process of claiming for engine damage equips you with the knowledge to safeguard your automobile effectively. Your peace of mind on the road matters. If you're considering a reliable partner for your vehicle's protection, explore the features and benefits Shriram General Insurance offers its customers. Their policies are crafted to provide comprehensive coverage, including robust engine protection.



    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.


    4. Can I extend engine coverage for older vehicles?

    Yes, many insurance providers offer specific add-ons or policies tailored for older vehicles, extending engine coverage. Explore options with your insurer to ensure your ageing vehicle's engine remains safeguarded against unforeseen incidents.


    5. Are wear and tear issues covered under Engine Protection?

    Generally, standard Engine Protection does not cover wear and tear. However, some policies may offer add-ons or specific conditions that address certain wear-related damages. Review your policy details or consult with your insurer to understand the nuances of the coverage you have chosen.


    6. What happens if I miss regular engine maintenance? Will it affect my claim?

    Regular maintenance is crucial for your vehicle's health, but missing a scheduled service does not necessarily invalidate a claim. However, negligence leading to severe engine damage may impact the claim outcome. It is recommended to adhere to your vehicle's maintenance schedule for optimal performance and smoother claims processes (if they arise) as opposed to not maintaining your vehicle well.


    Save up-to the 85% off on your car Insurance

    Save up-to 85% off on your Car Insurance

    Save up-to the 85% off on your car Insurance

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