Covers repair/replacement of engine internal parts damaged by water ingress or oil leak.
Engine Protect (Hydrostatic Lock Cover) is a specialized motor add-on that covers repair or replacement costs for internal engine parts (crankshaft, pistons, connecting rods) damaged due to water entering the engine or lubricant leakage.
Driving through a flooded street causes water to enter the car engine, causing hydrostatic lock. Standard insurance rejects engine damage as consequential loss. Engine Protect pays the ₹1.5 Lakh engine overhaul cost in full.
Standard Comprehensive insurance covers engine damage only from direct external collision, not water ingress.
Many policyholders misunderstand this clause until a claim actually occurs. Always verify the exact definitions in your policy wording schedule rather than relying on verbal marketing summaries. Disclose all material facts truthfully at the time of proposal to help ensure smooth claim assessment without non-disclosure issues.
Highly recommended for flood-prone metro cities.
Essential add-on for cars in monsoon cities (Mumbai, Chennai, Kolkata, Bengaluru).
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