Engine Secure Cover in Motor Insurance: Complete Guide, Benefits & Claims
The engine is the most critical component of any vehicle, and surprisingly, it is also one of the least protected components under a standard comprehensive motor insurance policy. While own-damage insurance covers accidental damages, it does not cover internal engine failure due to water ingression, hydrostatic lock, or oil leakage. This gap has made the Engine Secure Cover add-on extremely valuable.
Why Engine Protection Is Important in India
India experiences frequent monsoon flooding, potholes, waterlogging, and poor drainage systems. Cities like Mumbai, Chennai, Kolkata, Delhi NCR, and Bengaluru regularly face waterlogged roads. A single incident of water entering the engine or lubrication failure can lead to repair bills running from ₹25,000 to ₹3,00,000.
What Is Engine Secure Cover?
Engine Secure Cover is an add-on purchased with a comprehensive or standalone own-damage policy. It protects the engine and gearbox against non-accidental internal damage. It covers costs related to:
- water ingression
- hydrostatic lock
- oil leakage
- lubrication failure
- gearbox & transmission
- crankshaft, pistons, connecting rods, cylinder head
- engine flush & consumables
Damages Covered (Explained)
- Water Ingression: Floodwater enters the engine causing rust and failure.
- Hydrostatic Lock: Attempting to restart a stalled engine bends connecting rods.
- Oil Leakage: Sudden sump rupture leads to dry-run engine seizure.
- Gearbox Failure: Repairs and replacement costs are covered.
- Consumables: Oils, lubricants, gaskets may be included.
Exclusions: When Claims Are Rejected
- Intentional driving in deep floodwater
- Repeated engine cranking after stalling
- Delayed claim reporting
- Unauthorized garage repairs
- Fuel contamination
- Wear & tear
- Negligence
Cost of Engine Secure Cover
| Vehicle Type | Approx Premium |
|---|---|
| Hatchback | ₹1,500 – ₹3,000 |
| Sedan | ₹3,000 – ₹5,000 |
| SUV | ₹4,000 – ₹7,000 |
| Luxury Car | ₹7,000 – ₹12,000+ |
Who Should Buy This Cover?
- New cars (0-5 years)
- Sedans & SUVs
- Luxury cars
- Turbo engines
- Metro & monsoon zones
- Coastal regions
Claim Process
- Stop vehicle immediately
- Do not restart engine
- Inform insurer
- Tow to authorized workshop
- Surveyor inspection
- Cashless or reimbursement settlement
Real Case Study
A vehicle drives through waterlogged road and stalls. Owner restarts engine twice. Result: connecting rod bends. Repair cost ₹1.3 lakh.
Without add-on: Claim rejected ❌
With add-on: Approved ✔️
Pros & Cons
| Pros | Cons |
|---|---|
| Protects engine & gearbox | Extra premium |
| Covers monsoon & water damage | Claims denied for negligence |
| Reduces financial burden | Useful mainly for new/premium cars |
Frequently Asked Questions
Is engine damage covered in normal insurance?
No. Standard policies exclude water and oil-related engine damage.
Does this cover gearbox?
Yes. Transmission & gearbox repairs are included.
Is it only needed during monsoon?
No. Pothole and oil leakage damages can occur year-round.
Is it worth the premium?
Yes. A small premium can save lakhs in repair costs.
Conclusion
Engine Secure Cover is not just an optional add-on—it is a practical safeguard against costly engine damage in India. Considering the risk of monsoon flooding, pothole damage, and modern engine complexity, this add-on is highly recommended for new and premium cars.
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