Engine Protection Cover in Motor Insurance: Explained for Agents
When selling motor insurance, customers usually think about accidents, theft, or fire. But what many don’t realize is that engine damage is often excluded from a standard policy. That’s where the Engine Protection Cover (an add-on) comes in.
🔎 What is Engine Protection Cover?
A normal motor insurance policy does not cover mechanical or electrical breakdowns. So if the engine fails due to oil leakage, hydrostatic lock (water entering the engine), or gearbox failure, the repair bill falls on the customer.
With Engine Protection Cover, these risks are covered. It ensures that expensive repairs to the engine, gearbox, pistons, and other internal parts are taken care of.
📊 Example: Why It Matters
A car drives through a flooded street during heavy rains.
Water enters the engine, leading to hydrostatic lock.
Engine repair/replacement cost: ₹2.5 lakh.
Without Engine Protection: Claim is rejected (mechanical/electrical failure excluded). Customer pays full ₹2.5 lakh.
With Engine Protection Cover: Insurer pays for the entire repair (minus deductibles).
👉 For just a small additional premium, the customer avoids a massive out-of-pocket bill.
🛠️ What Does It Cover?
Water ingression in engine (hydrostatic lock).
Lubricant leakage causing damage.
Damage to gearbox, pistons, crankshaft, connecting rods, etc.
Engine damage due to accident-related issues.
❌ What It Does Not Cover
Normal wear and tear.
Driving with pre-existing engine damage.
Deliberate negligence (e.g., restarting a car multiple times in flood water).
Oil leakage not attended in time.
💡 Who Should Buy It?
Owners in Flood-Prone Areas – Cities like Mumbai, Chennai, Kolkata.
Luxury Car Owners – Expensive engines mean high repair costs.
New Car Buyers – Protects a major investment.
Daily City Drivers – Stop-and-go traffic + poor drainage = higher risk.
🎯 Sales Pitch Tip for Agents
Ask your customer:
“If tomorrow your car’s engine gets flooded and the repair costs ₹2.5 lakh, would you want to pay it from your pocket—or let insurance handle it?”
This creates value awareness and helps you upsell the add-on confidently.
✅ Conclusion
The Engine Protection Cover is one of the most useful add-ons in motor insurance. It safeguards the heart of the vehicle—the engine—and saves customers from massive, unexpected expenses.
👉 As an agent, positioning this add-on as a “safety net against costly surprises” can build trust and boost sales.
Would you like me to also prepare a comparison infographic (Normal Policy vs Policy + Engine Protection) for quick customer presentations?