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Does Car Insurance Cover Engine Failure? (Complete Guide 2026)
Hello friends, welcome to Rajesh Technical Blog. Today I will tell you that many car owners are confused about one important question — does car insurance cover engine failure or not?
Engine repair is one of the most expensive car repairs, and misunderstanding insurance coverage can lead to huge out-of-pocket expenses.
In this guide, you’ll clearly understand when engine failure is covered, when it is not, and how you can protect yourself.
What Is Engine Failure?
Engine failure means the engine stops working properly due to:
- Internal mechanical damage
- Overheating
- Oil starvation
- Flood or water ingress
- Fire or accident impact
Engine failure can be sudden or gradual, and insurance coverage depends on the cause.
Does Standard Car Insurance Cover Engine Failure?
❌ Short Answer: NO
A standard comprehensive car insurance policy does NOT cover engine failure caused by:
- Wear and tear
- Lack of maintenance
- Old engine parts
- Oil leakage due to negligence
Insurance is designed for sudden and accidental damage, not mechanical breakdown.
When Does Car Insurance Cover Engine Damage?
Car insurance may cover engine damage in the following situations:
✅ 1️⃣ Accident-Related Engine Damage
If your engine is damaged due to:
- Road accident
- Collision
- Vehicle rollover
👉 Covered under comprehensive insurance
✅ 2️⃣ Flood or Water Damage (With Engine Protect Add-On)
If water enters the engine during:
- Flood
- Heavy rain
- Waterlogged roads
👉 Covered ONLY if you have an Engine Protection Add-On
✅ 3️⃣ Fire or Explosion
Engine damage caused by:
- Fire
- Short circuit
- Explosion
👉 Covered under comprehensive policy
What Is NOT Covered Under Car Insurance?
Engine failure is NOT covered if caused by:
- Normal wear and tear
- Mechanical breakdown
- Delayed servicing
- Driving with low engine oil
- Improper repairs
These are considered owner responsibility.
What Is Engine Protection Add-On? (Very Important)
The Engine Protection Add-On is an extra cover that protects against:
- Water ingression
- Hydrostatic lock
- Lubrication oil leakage
🔥 Who Should Buy It?
- People living in flood-prone areas
- Diesel car owners
- Expensive car owners
- City drivers facing waterlogging
This add-on can save lakhs of rupees.
How to Claim Insurance for Engine Damage?
1️⃣ Inform insurance company immediately
2️⃣ Do NOT start the car (especially after flooding)
3️⃣ Take photos/videos of damage
4️⃣ Submit required documents
5️⃣ Surveyor inspection
6️⃣ Claim approval & repair
⚠️ Starting a flooded car can reject your claim.
How Much Does Engine Repair Cost Without Insurance?
Average engine repair cost:
- Small cars: ₹60,000 – ₹1,50,000
- Mid-size cars: ₹1.5 – ₹3 lakh
- Luxury cars: ₹5 lakh+
👉 This is why engine protection matters.
FAQs
Does insurance cover engine seizure?
No, unless it is caused by an accident or covered event.
Is engine failure covered after an accident?
Yes, if damage is directly linked to the accident.
Is engine protection add-on worth it?
Absolutely, especially in Indian road conditions.
Final Verdict
❌ Normal engine failure is NOT covered by car insurance
✅ Accident, flood, fire-related engine damage CAN be covered
🔥 Engine Protection Add-On is the smartest safety net2026/01/best-brake-pads-to-tow-heavy-loads-safe
Understanding your policy today can save you from financial heartbreak tomorrow.
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