Undoubtedly, the engine is an expensive auto part when it comes to maintenance and repair. That said, if an engine gets damaged in an accident, fixing it can cost the car owners. The alternative is to have insurance, but comprehensive car insurance does not cover engine damage. For this, a separate engine insurance or engine protection cover is offered to the customers.
Let’s take a closer look at car engine insurance and elaborate on what it brings to the table for the owners.
What is Car Engine Insurance
Car engine insurance is an add-on policy that is specifically designed to cover engine damages. The engine insurance covers damages and repair costs such as malfunctioning flywheel, oil pump and others which are not covered in the comprehensive car insurance.
What is Included
- The engine insurance coverage caters to the following factors.
- The insurance covers all the major car engine parts, including crankshaft, pistons, cylinder, camshaft, cylinder rods and others. Moreover, malfunctioning or damaged gearbox is also covered in the engine insurance.
- All sorts of damages caused due to flooding including damages due to hydrostatic lock.
- Labour cost incurred on the repairing and replacement of auto parts.
What is Excluded
Now that you are aware of the car insurance inclusion criteria let’s move towards its exclusion criteria.
- Generally, the natural wear and tear of the engine is not covered under the engine insurance. That said, if you want to slow down the wear and tear, here is how to clean engine sludge and prolong a car’s life.
- If the damage is still under the manufacturer’s warranty, the insurance provider will not cover the damages. In such cases, the owner will have to claim the warranty first.
- If the damage is caused due to the malfunctioning of another auto part, which is not covered in the insurance package of the owner.
- Most insurance providers demand proof of water damages if the owner claims damages are caused due to flooding.
- If the driver was under the influence of alcohol or driving without a licence. Aside from insurance, driving under the influence and without a licence is a serious breach and leads to hefty traffic fines in Dubai and other Emirates.
Importance of Engine Insurance
Engine insurance provides an edge to get engines repaired and even replaced in case of an accident. Aside from that, the following are the benefits of having car engine insurance.
Financial Assistance
Car engines are quite durable but even they won’t last a lifetime. Some issues require a repair while others may require a complete replacement. In any case, car insurance can cover the cost of these services.
Besides, if you are getting repairs done without insurance, browse through these used auto accessories for sale in the UAE and save some more money.
Increased Efficiency
A well-maintained and properly functioning car engine increases the overall efficiency of a car. This leads to better fuel economy, less wear and tear and reduced maintenance costs. Moreover, the vehicle’s life span and resale value are also increased. Aside from that, here are some other factors that can affect used car value that owners should consider.
Safety from Flood Damage
While instances of car damage from flooding are rare in the UAE, it’s essential to be prepared for unexpected situations. To avoid the hassle, engine insurance is an ideal option as it covers all the damages caused to the engine due to flooding. However, if you have already faced such a situation, here is what to do with a flooded car.
Peace of Mind
The foremost benefit of engine insurance is peace of mind. Owners knowing that any sort of damage caused to the engine will be covered by the insurance allows them to drive peacefully.
Things to Consider When Buying Engine Insurance
Here are a few things to consider when opting for engine insurance for your car.
- It is suggested to compare the car’s market value and the premium paid to check whether it is beneficial to buy the add-on or not.
- Remember, the add-on policy is only available for vehicles older than 5 years.
- Usually, insurance companies allow only two claims under engine insurance.
- An additional premium is required to be paid along with a basic one for the engine insurance.
- The add-on engine insurance is only available with comprehensive car insurance.
FAQs
Who can get engine insurance in the UAE?
There are no specific criteria; however, the vehicle should be older than 5 years and must have a comprehensive car insurance plan.
Can I include more add-ons after engine insurance?
Yes, the add-ons are limitless. However, with each add-on, the premium also increases.
Does engine insurance also cover labour costs?
Yes, engine insurance also covers all the labour costs incurred during the repair or replacement of the engine.
This was all about engine insurance and its benefits. Having engine insurance is significant to secure car owners from financial debt. However, if the engine gets damaged without insurance, it is better to change the vehicle rather than repair it. This is because repairing an engine is costly and also reduces its efficiency. You can browse through these used cars for sale in the UAE and choose from an array of options according to your budget.
Stay tuned to dubizzle’s auto blog for more information on boat motor insurance.
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