Car breakdown: Check engine protection cover for car

Know how engine protection cover helps you during car breakdown due to engine issues.
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Car breakdown: Check engine protection cover for car
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3 mins
20-July-2023

Car breakdowns can be quite frustrating, and cause inconvenience and unexpected expenses. Engine damage, in particular, can be a costly ordeal to repair. One effective way to minimise the cost of repairs for engine damage is by adding an engine protection cover to your car insurance policy.
Read to know how car engine protection cover helps in case of a breakdown.

What is an engine protection cover?

An engine protection cover is an add-on cover that you can opt for while purchasing car insurance. This add-on cover, specifically designed for your car's engine, covers the damages caused due to water logging, hydrostatic lock, and oil leakage. You can add the engine protection cover to your comprehensive car insurance policy by paying an extra premium.

How does engine protection cover help in case of a breakdown?

An engine protection cover can come in handy when your car's engine faces any unforeseen damages. Here’s how this add-on cover can help in case of a car breakdown:

Protection in case of hydrostatic lock

A hydrostatic lock occurs when a car’s engine gets damaged due to water entering it, leading to cylinder damage. Engine protection cover gives coverage for damages caused to your car's engine and related parts due to waterlogging. You get complete coverage for wear and tear or damages in these parts.

Protection against oil leakage

Oil leakage is a common issue that can damage your car’s engine and related parts. Engine protection cover secures your car's engine against oil leakage damages. It ensures zero depreciation and zero deductions in the claim's amount.

Cover for high repair costs

Car engine repairs are costly, adding a significant expense to your budget. With engine protection cover, you get coverage for the entire repair costs for your engine and other important parts. This helps in minimising the financial burden on the car owner.

How to buy engine protection add-on cover?

You can buy the engine protection add-on cover online from any of the insurers’ website.

  • Visit the preferred insurance provider’s website.
  • Search for policies offering engine protection cover.
  • Enter your basic details on the application form.
  • Make the payment online through any of your preferred online payment modes.

You can also buy car insurance policies from Bajaj Finance Insurance Mall and opt for engine protection cover as an add-on.

A step-by-step guide to buy car insurance policy with engine protection cover online

Follow these simple steps to buy car insurance from Bajaj Finance Insurance Mall.

Step 1: Visit Bajaj Finance Insurance Mall and view the car insurance plans offered by leading motor insurance companies.
Step 2: Click on 'Get Quote’ to open the online application form.
Step 3: Enter the vehicle type, two-wheeler registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.
Step 4: Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant policies. You can choose engine protection cover add-on here. Next, you need to update your current policy expiry date.
Step 5: Click on the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.
Step 6: Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on ‘Proceed’.
Step 7: Enter vehicle owner’s name, date of birth, residential address, and contact number. Also, enter vehicle engine and chassis number (as per the RC) and previous policy details.
Step 8: Review your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, credit/debit card to buy the policy.

What to do in the case of car breakdown?

Here’s what you can do during car breakdown.

Get to a safe location: If your vehicle breaks down while driving, try to shift the car to the side of the road or to a safe location. Turn your hazard lights on to indicate that your car is not in working condition.

Evaluate the situation: Check the condition of your vehicle and try to identify the problem. If unsure what the issue is, avoid attempting any repairs yourself.

Call for assistance: If you have car breakdown cover or car breakdown insurance, contact your provider to arrange for roadside assistance. You can also avail the benefit from roadside assistance cover. If you do not have any cover, you can call a local garage or mechanic for help.

Keep yourself and others safe: While waiting for help to arrive, make sure you stay safe. Avoid leaving your vehicle unattended and keep the doors locked. If possible, stand away from the road to prevent any accidents.

Effective ways to prevent car breakdown

Here are a few tips to prevent car breakdown.

Regular car maintenance: It is crucial to keep your car well-maintained to prevent any unexpected breakdowns. Regularly check your engine oil, coolant levels, and battery condition.

Check your tyres: Your tyres play a crucial role in ensuring your safety while driving. Make sure your tyres are properly inflated and have adequate tread depth.

Avoid overloading: Overloading your car can put extra strain on your engine and increase the risk of breakdowns. Make sure you don’t exceed the recommended weight limit for your vehicle.

Plan your trips: If planning to go on a long trip, make sure you plan your route in advance and check for any road closures or disruptions. This can help you avoid any unexpected delays or breakdowns.

Drive responsibly: Following traffic rules and driving responsibly can also help prevent car breakdowns. Avoid sudden acceleration or harsh braking, as it can put extra strain on your vehicle.

Engine protection cover is a must-have add-on on comprehensive car insurance. It helps in alleviating the financial burden, with timely and hassle-free claims settlement.

Frequently asked questions

What is a car breakdown?

A car breakdown occurs when a vehicle stops working unexpectedly, leaving the driver stranded at the roadside. At such time, you can avail of the benefits from the roadside assistance cover.

How long does it take to repair the car after a breakdown?

The duration of repairs depends on the severity of the problem and the availability of spare parts. Minor issues will get resolved within a few hours, while major problems can take multiple days to fix.

What are the causes of a car to breakdown?

There are several reasons why a car may breakdown, such as engine failure, flat tyres, electrical problems, fuel system issues, and brake failure.

How can I prevent brake fail?

Regularly check your brake fluid level and ensure that your brake pads and discs are in good condition. Avoid overusing your brakes and drive responsibly by maintaining a safe distance from other vehicles. Additionally, make sure that your car receives regular maintenance checks.

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