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What is Engine Protection Cover in Car Insurance?
An Engine Protector Cover is an Add-On available under Comprehensive Car Insurance. It provides coverage against engine damage to an insured vehicle caused by water ingression or leakage of lubricating oil. Its coverage includes repair costs and replacement of engine parts such as crankshaft, cylinder head, pistons, etc. Without this cover, your Car Insurance policy will not include protection for these kinds of damages.
Features of Engine Protection Cover in Car Insurance
The following are the features of Engine Protection Cover in Car Insurance.
Who should buy the Engine Protection Add-on Cover?
The Engine Protection Add-on Cover is necessary for vehicle owners who want an additional layer of protection for the internal child parts of their engine and/or gearbox in case of damage. This cover is especially relevant for individuals who rely heavily on their vehicles for daily use and those who drive in areas prone to flooding. Moreover, for car owners with newer vehicles, this add-on may offer peace of mind, knowing that damage to vital engine components is covered.
How Much Does Engine Protection Cover in Shriram Car Insurance Cost?
The cost of the Engine Protection Cover can vary based on several factors. To find out the exact cost applicable to your car, you can generate a free quote on our website/mobile application. To do so first select Car Insurance and input your vehicle registration number and phone number in the respective fields. After that, select Comprehensive Car Insurance and the date of expiry of your previous insurance policy (if applicable). Finally, you will be redirected to the payment page. On that page choose the Engine Protection Add-on to generate a quote.
No-claim bonus
No claim bonus will be applicable if you do not file for any claims during the policy year. For example, if you do not file for any claims during the policy year, you might get a 20% discount during the time of renewal for the next year. However, the discount range may vary from one insurance provider to another. The insured will benefit from the no-claim bonus while renewing their own damage coverage.
Engine Protection Cover in Shriram Car Insurance
The following are some of the coverages under Shriram’s Engine Protection Cover.
- What is Covered?
- What is not Covered?
Repair/replacement of damaged engine parts including the gearbox, differential, or transmission assembly.
Labour costs involved in the repair or replacement of the damaged engine.
You can claim against this Add-On for a maximum of two times during the policy period.
This coverage is applicable from the date of sale of the vehicle until its 5th year.
If the engine is damaged as a result of the entry of water but there's no evidence of the insured vehicle being stopped in a waterlogged area.
If there is any other active coverage like another insurance policy, manufacturer’s warranty, recall campaign, or other packages.
Any other loss occurring as a consequence of water ingress or leakage of lubricating oil in the internal engine or gearbox.
Cost of engine oil and consumables in the case of flushing the engine.
Loss or damage, due to delayed intimation of claim or delay in retrieving the vehicle from a waterlogged area.
Negligence in protecting the insured vehicle from loss or damage.
Ageing, depreciation and regular wear and tear.
If repair has been carried out without prior approval from the insurer.
If the vehicle is used for racing, rallying, motor-sports, or for any other illegal purposes.
How to claim for Engine Protection Cover in Car Insurance?
You can raise a claim against your Engine Protection Cover online on our website/mobile app or over phone by calling 1800-300-30000/1800-103-3009. Below are the steps for raising a claim online.
- Step 1
- Step 2
- Step 3
Register your Claim
- Head to our website/app, navigate to the “Claims” section and click initiate claim. Following that, enter your policy and vehicle details that are requested in the page and click submit.
Submit the Required Details
- Provide a detailed description of the damage to your vehicle and how it occurred. Share your vehicle location, its kilometre reading and any other vehicle-related details. Also, provide relevant documentation.
Claim Settlement
- Once we process your vehicle and claim details we will process your claim and credit the applicable financial compensation in your bank account.
Benefits of purchasing Engine Protection Cover in Car Insurance
The Engine Protection Cover offers several key benefits for vehicle owners, including the following.
How to Buy Engine Protect Cover online?
Here’s how to buy an Engine Protection Cover online.
- Buy Shriram Car Insurance Online
- Renew Shriram Car Insurance Online
Visit our website/mobile app, select Car Insurance. Following that, enter the basic details of your vehicle in the applicable fields and click on “Insure Now”.
Select a Comprehensive Car Insurance Policy, following which you will get the option to select Add-Ons. Choose the Engine Protect Cover and any other Add-On you may require.
Once you have selected the necessary coverages, the final cost will be displayed. Review the bill and make an online payment to receive a Car Policy with the desired Engine Protect Cover.
Click “Renew Shriram Policy” on the Shriram General Insurance website/app and enter your previous policy details.
Select a Comprehensive Car Insurance Policy and choose Engine Protection Cover Add-On.
Complete the online payment to renew your Comprehensive Car Insurance Policy with the Engine Protect Cover Add-On.
Tips for Choosing the Best Engine Protection Cover in Car Insurance
When selecting the best Engine Protection Cover for your Car Insurance, consider the following tips.
Documents required for filing your Engine Protection Cover Claim Online
The following documents are required to be submitted at the time of a claim against your Engine Protection Cover.
- Duly filled and signed claim form
- Vehicle registration certificate
- Driving license of the person driving the vehicle at the time of the incident
- FIR (If applicable)
- ID Proof
- Bank details with a cancelled cheque
- Original repair invoice and payment receipt
- Any other documents as specified by the insurer
Shriram Car Insurance in Major Cities in India
Delhi
Chennai
Mumbai
Ahmedabad
Gurgaon
Bangalore
Agra
Bhopal
Pune
Indore
Jaipur
Dehradun
Shriram Car Insurance for Popular Car Brands
Road Tax by States
- Road Tax for Delhi - 4-12.50%
- Road Tax for Tamil Nadu - 12-20%
- Road Tax for Haryana - 4-10%
- Road Tax for Maharashtra - 7-14%
- Road Tax for AP - 12-14%
- Road Tax for Kerala - 7-17%
- Road Tax for Karnataka - 13-18%
- Road Tax for Punjab - 6-8%
- Road Tax for Gujarat - 6%
- Road Tax for Rajasthan - 5-10%
- Road Tax for Uttarakhand - 4-5%
- Road Tax for Uttar Pradesh - 7%
Frequently Asked Questions
What is Engine Protection Cover?
No, Comprehensive Car Insurance is not mandatory. However, Third-Party Car Insurance is mandatory by law.
What does the Engine Protection Cover include?
The Engine Protection Cover includes financial protection against damage caused by water ingression and lubricating oil leakage. The coverage includes the repair or replacement costs for various engine internal child parts, including labour costs.
How many times can the Engine Protection Cover be utilised?
Yes. Please use an online premium calculator for an estimate. The cost of your Shriram Car Insurance depends on factors like your car's make, model, year, Insured Declared Value (IDV), type of insurance, and any additional features you select. These factors are considered to determine your car insurance premium.
What are the conditions for eligibility for this cover?
Yes. Please use an online premium calculator for an estimate. The cost of your Shriram Car Insurance depends on factors like your car's make, model, year, Insured Declared Value (IDV), type of insurance, and any additional features you select. These factors are considered to determine your car insurance premium.
Does the Engine Protection Cover provide coverage for vehicles used in racing or motor sports?
Yes. Please use an online premium calculator for an estimate. The cost of your Shriram Car Insurance depends on factors like your car's make, model, year, Insured Declared Value (IDV), type of insurance, and any additional features you select. These factors are considered to determine your car insurance premium.
What are the exclusions under the Engine Protection Cover?
Yes. Please use an online premium calculator for an estimate. The cost of your Shriram Car Insurance depends on factors like your car's make, model, year, Insured Declared Value (IDV), type of insurance, and any additional features you select. These factors are considered to determine your car insurance premium.
