Benefits of Adding Engine Protection to Two-Wheeler Insurance

The Engine Protection add-on on motorcycle insurance provides financial support in the event that internal engine or gearbox parts need to be repaired or replaced. The basic comprehensive policy does not cover such engine damage. It'll come in handy if you live in a flood-prone location. For a small additional premium, you can rest assured that the most expensive portion of your bike is protected, and you won't have to worry about replacement costs if the bike engine is damaged.

This is an add-on to your Two-Wheeler Package Policy/Stand-Alone Own Damage Bike Insurance Policy:

Engine Protect is an add-on cover that can be purchased as part of a comprehensive plan or separately as a stand-alone Own Damage bike insurance policy. The add-on does not require a separate document, but the stand-alone or package policy must. The Engine Protection add-on has the following exclusions:

• Due to a delay in notifying the insurance provider, damage or loss occurs, including corrosion of the engine and/or gearbox.
• Repair or replacement of internal engine parts as a result of the insured bike's delay in being retrieved from the flooded region.
• Loss or damage caused by a person riding the insured vehicle while inebriated, illegal racing, or riding a bike with an expired driver's license.
• Engine and/or gearbox parts covered by the manufacturer's warranty or recall campaign are repaired or replaced.
• The cost of lubricants in the event of a leak.
• Any claim filed outside of the insurer's specified term.
• Any claim in which the repair is completed prior to notifying the insurance company.

How Do I Get Two-Wheeler Insurance With the Engine Protection Add-On?

The procedure for filing a claim to repair or replace internal parts of the insured bike's engine and/or gearbox is the same as for raising claims under comprehensive insurance.

Register a claim using the Engine Protection add-on by following the procedures below:

Step 1: Contact your insurer right away and inform them of the loss or damage to the insured bike's engine parts.

Step 2: The insurer will appoint a surveyor to assess the loss and continue the claim process.

Step 3: The insurance company will reimburse you for the cost of repairing or replacing internal engine and/or gearbox parts.

Who Should Purchase the Engine Protection Add-On?

The Engine Protection add-on insurance is an extension to your bike's basic comprehensive policy. The following are some of the benefits of purchasing the bike engine protection add-on for your vehicle:

• If you live in an area that is prone to flooding,
• If you've just purchased a new bike, the engine is the most expensive component.
• If you wish to be financially protected against significant engine component damage,