🔴Engine Protective Cover Add-on in Two-Wheel Vehicle Insurance

The Engine Protect additional cover offers policyholder protection against loss or damage to your bicycle engine due to lubricating oil leakage, water ingress, physical damage to gearbox or differential parts, and engine failure due to wet engine starting attempts. This additional coverage can be purchased in conjunction with a comprehensive two-wheeler insurance plan and a stand-alone two-wheeler damage insurance plan.

The engine is the heart of a bicycle. It provides the necessary strength for its movement. Like other bicycle parts, bicycle engines are also susceptible to damage. Engine damage can occur due to oil leakage or water ingress.

By default, a standard two-wheeler insurance policy, be it comprehensive or self-damaging, does not provide protection for your bicycle engine from damage. So, in order to insure your bicycle engine, you need to purchase an additional bicycle insurance known as an Engine Protect cover. This add-on helps you claim compensation for damage suffered to your bike's engine and engine internals.

What is an Engine Protector Cover?

Engine Protect Protection is a bicycle insurance add-on available for purchase with a comprehensive, self-insured damage insurance plan. This cover helps you to get compensation for damage that occurs to your bicycle engine.

Coverage Available Under Engine Protective Cover

Engine Protect Coverage allows you to get insurance coverage in the following cases:

• Damage suffered by engine parts due to water ingress.
• Damage that occurs to the engine and its parts due to leakage of lubricating oil.
• Physical damage that occurs in the differential or gearbox.
• Engine failure due to an attempt to start a wet engine.

What's Not Included in the Engine Protect Add-on Cover?

Additional engine protection covers can be purchased with a comprehensive insurance plan or with a self-defense insurance plan. 

The following are not covered by the additional engine protection coverage for two-wheeler insurance:

• Loss or damage including corrosion of the engine or/and gearbox due to delay in notifying the bicycle insurance provider.
• Replacement or repair of engine internal components due to delays in retrieving two-wheeled vehicles from waterlogged areas.
• Damage or loss to two-wheeled vehicles because the person riding the insured bicycle is intoxicated.
• Machine replacement or repair.
• Loss or Damage caused by the insured bicycle riding the vehicle in an unauthorized race.
• Loss or Damage to the bicycle if riding it without a valid driver's licence.
• Lubricant costs in case of loss due to leakage.
• Every claim filed after a certain period of time is determined by the insurance company.
• Any claim, where the repair process is carried out before notifying the insurance provider.
• Any claims filed for damage or loss caused by ordinary wear and tear.

Who Should Buy the Engine Protective Cover?

The Engine Protect bike insurance add-on is recommended for all bike owners. However, it is highly recommended for people who live in flood-prone areas or on or near roads that get flooded easily when it rains. Engine Protect is also highly recommended for owners of premium bikes who have expensive engine parts.

Bicycle Engine Protection Cover FAQ

Is the Engine Protect add-on available with third-party bicycle insurance plans?

Not. Like all other bike insurance add-ons, Engine Protect Cover is also available only with a comprehensive, self-destruct bike insurance package.

When can I choose Engine Protect Cover?

Engine Protect Cover can be selected at the time of policy purchase or policy renewal. However, some but not all two-wheeler insurance companies allow the addition of additional coverage even between policy periods.

Is oil leak damage covered under Engine Protect?

Yes, engine damage caused by a lubricating oil leak is covered under the Engine Protect add-on cover.

Does my standard comprehensive bicycle insurance plan cover damage caused to my bicycle engine?

No, by default, the standard comprehensive bicycle insurance plan does not provide coverage for damage caused to your bicycle engine.

Can I add other add-ons as well along with Engine Protect Cover to my bike insurance plan?

Yes, you can add as many add-ons as you want with Engine Protect Cover to a standard complete/self-insured bicycle insurance policy for bicycle damage yourself.

Is it ideal for me to buy additional protection on the engine cover?

The additional engine guard on the cover is ideal for you in the following situations:

    1. Individuals living or working in flood prone areas.

    2. Individuals who want to protect themselves from all types of financial risks.

    3. Individuals, who have expensive bicycles, repair or replacement costs are too expensive.

Is an additional engine protection cover required?

The engine protection cover will protect the policyholder from financial crises that may arise due to replacement or repair costs, if the engine or bicycle parts are damaged.

Is my bicycle engine covered under a regular bicycle insurance policy?

No, self-damage bicycle insurance programs or comprehensive bicycle insurance do not provide coverage for bicycle engine components in the event of loss or damage.

Why is maintaining your bike's engine important?

Protecting your bicycle engine is important for the following reasons:

    1. The engine is the most expensive component in a bicycle.

    2. The costs associated with repairing or replacing your bike can be very high.

    3. Significant labor and material costs.

How can I purchase additional engine guards on the cover?

Additional engine cover protection is optional coverage along with your basic insurance policy. Policyholders need to pay an additional premium to protect their bike's engine. The insurance company is then required to pay for any type of damage or loss to the bicycle engine such as lubricating oil, coolant, water entering the bicycle engine. This additional coverage helps protect the internal components of the bicycle engine.