All about Engine Protection Cover in UAE

The heart of a car is the engine hence it is one of the most expensive parts of the car. If the engine breaks, it can cost you a good amount. A car doesn’t work without an engine. You can have the car in the garage but can’t drive with a faulty engine. An important thing to note is that the engine breakdown or other repair related to the engine is not covered in your basic car insurance cover. An engine protection cover is an add-on provided on car insurance. If you have any repairs or replacements related to the engine it can be covered by a car insurance provider only if you have Engine Protection Cover addon on the main cover. 

How does Engine Protection Cover Work?

The working of the Engine Protection Cover is similar to any other add-on. If you stay in a flood-prone area or if there is a heavy downpour in your region, there are chances that water can enter the engine and damage the engine and its parts like pistons, gear parts, crankshaft, cylinders, oil filter etc. Not just from water flooding, the car engine can get damaged due to overheating. Being the most important part of a car, the engine and its parts are costly. In such cases, an Engine Protection Cover can help you financially. 

When your engine is damaged and you have an Engine Protection Cover on your car insurance policy in the UAE, then you can claim for the coverage by providing valid proof of the repair and get the engine replaced or fixed as per the requirement. 

The Engine Protection Cover is provided as an add-on to the car insurance cover. There is an additional charge levied on your premium value. If you stay in a flood-prone area or have an expensive vehicle you can get the Engine Protection Cover as an add-on. It increases the longevity of the vehicle as a vehicle doesn’t work with a damaged engine.

What is included in the Engine Protection Cover?

If you get an Engine Protection Cover you must note what is included for the coverage. Some of the factors that are covered on your Engine Protection Cover are, 

• It covers damages due to the oil leakage internally 
• Damages occurred due to water flooding inside the engine 
• Repair or replacement of car engine’s components like pistons, crankshaft, cylinders, oil filter, connecting rods, etc. 
• Repair or replacement of Gearbox components 
• Covers the labour costs involved in the repair or replacement 
• Damages occurred to hydrostatic lock due to force starting the vehicle when the engine is wet  

What is not included in the Engine Protection Cover?

There are certain factors that are NOT covered on your Engine Protection Cover like, 

• Damages caused to other parts of the vehicle other than the Engine or Gearbox and its components. 
• Natural wear and tear of the parts are not covered by most the insurance providers 
• If the damages are covered by the manufacturer on warranty are not covered by the insurance provider 
• If there is no proof for water inundation, it is not covered by most of the providers 
• The Engine protection cover is provided to vehicles that are more than 5 years old