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Benefits of the Engine Protection Add-on Cover in Two-wheeler Insurance

By Juhi Walia
20 July 2022, 2:51 PM

The engine safety insurance is an add-on to a bike insurance policy that protects the engine of the covered two-wheeler in the event of damage due to water and oil leakages.

The rider covers the cost of repairing or restoring your bike's engine or/and its components. Further, it allows you to receive financial assistance from your auto insurance carrier if your vehicle's engine or parts are destroyed.

For example, during the rainy season, your city receives significant rainfall, and an inadequate drainage system has resulted in flooding. As a result, moisture collects in the parking lot and penetrates the engine, causing disruption. In this case, the engine protection two wheeler add on cover can help pay for fixing the losses to the engine.

What Comes Under Engine Protection Two-wheeler Insurance?

If you add the engine protection rider to the two-wheeler policy, it will cover any costs incurred as a result of the following:

  • Damage to the Vehicle Engine - This insurance covers the expenses of repairing any of the engine's components such as the crankshaft, connecting rods, etc.
  • Damage to the Gearbox – It covers the price of repairing or rebuilding the vehicle's gearbox.
  • Water Ingression - This insurance covers any damage to the vehicle's engine due to outside water entering the engine.
  • Leaking of Lubricant Oil - It provides financial assistance in case of repairs resulting from lubricant oil leaking from the bike's engine.
  • Destruction to the Vehicle's Hydrostatic Lock - This insurance covers any damage or injury to the bike's hydrostatic lock induced by a damp engine.
  • Cost of Consumables - Consumable bike insurance add on covers the costs of supplies used in the vehicle during the automotive repair. Examples include lubricant oil, nuts and bolts, coolants, and other consumables.
  • Labour Expenses - It covers the labour costs associated with repairing or replacing the two-wheeler's engine or parts.

Standalone Personal Damage Bike Insurance Policy/Two-Wheeler Package Policy - Add-on

You can buy the engine security add-on cover with a comprehensive bike insurance policy or the own-damage bike insurance policy. However, the engine protection add-on does not cover the following incidents.


  • Corrosion of the motor and/or gearbox due to a delay in notifying the insurance provider.
  • Replacement of engine parts due to a delay in removing the covered bike from a wet region.
  • Loss or damage resulting from intoxication while running an insured vehicle, illegal racing, or driving a motorcycle without a valid driver's licence.
  • Engine and/or gearbox parts that are covered by the manufacturer's protection.
  • The expense of lubricants in the event of a leakage-related loss.
  • Any claim submitted after the insurer's designated deadline.
  • No claims are to be entertained without notifying the insurance provider.

How to Make a Claim for Two-Wheeler Insurance with the Engine Protection Add-on?

The claim procedure to fix or replace internal components of the protected bike's engine is the same as under a regular comprehensive or standalone two-wheeler insurance policy. To file a bike insurance claim using the engine protection add-on, follow these steps:

Step 1: Immediately notify your insurer and provide information about the loss or damage to the engine components of the insured bike.

Step 2: To continue processing the claim, the insurance provider will designate a surveyor to evaluate the loss.

Step 3: The bike insurance company will pay for the engine or gearbox's interior surfaces to be repaired or replaced.

Who Should Purchase the Engine Protection Add-on?

The plan for your bike already includes basic protection for your motorcycle's engine. If you live in a place prone to floods, maybe it's a good idea to buy the engine protection add-on cover. The chances of engine damage are high. Adding this bike insurance add-on will ensure financial protection against possibly tall engine repair expenses.


All bike owners are encouraged to purchase the engine protect add-on for their motorcycles. However, it is strongly advised for those who live in flood-prone locations or in or close to streets that readily become waterlogged during the rain. Additionally, owners of high-end motorcycles with costly engine components can consider adding the engine protection add-on.



1. How much does it cost to get an engine protection add-on cover?

The price of engine protection insurance will depend on the type of bike engine, make & model, location, etc. You can get different quotes online when applying for the engine protection add-on cover. 

2. Will the comprehensive bike insurance policy cover the vehicle's engine if it is lost or damaged?

No, the comprehensive plan does not cover the harm to the engine's or gearbox's internal components. You can choose the engine protection add-on insurance to supplement the fundamental plan and protect yourself financially against engine problems such as water intrusion and oil leaks.

3. Why should I buy the engine protection add-on cover with a bike insurance policy?

The most expensive component of your bike is its engine. The cost of any engine internal part maintenance or replacement can be massive. This add-on will help prevent any additional strain on your wallet. 

4. What occurs if water gets into the motorcycle's engine?

Engine internals, such as connecting rods, cylinders, the transmission, etc., could sustain damage and may need to be repaired or replaced.

5. Who needs the engine protection add-on cover?

In theory, each bike owner can gain from this rider, especially if they live in a region that frequently experiences flooding or water infiltration.

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