As a car owner, there’s nothing more frustrating than experiencing engine troubles. Whether cruising down the highway or stuck in traffic, a sudden engine failure can bring your plans to a screeching halt. When faced with such a situation, one of the first questions that come to mind is, “Will my car insurance cover the cost of engine repairs?” Let’s delve into this topic to understand how car insurance rescues when your engine falters.

Understanding Car Insurance Basics

Before we dive into engine troubles, let’s quickly recap the basics of car insurance. Car insurance is a crucial financial safety net that protects you and your vehicle in case of unforeseen events such as accidents, theft, and natural disasters. While car insurance is mandatory in most places, the extent of coverage can vary based on the type of policy you choose.

Comprehensive Car Insurance – Your Best Bet

When it comes to safeguarding your vehicle from various perils, Comprehensive Car Insurance is the most comprehensive coverage you can opt for. It covers damages caused to third parties and provides coverage for your own vehicle against accidental damages, theft, and natural calamities.

Engine Failures and Comprehensive Car Insurance

Engine failures can occur for various reasons, such as oil leaks, overheating, or mechanical malfunctions. Repairing or replacing a damaged engine can be exorbitant, leaving you worried about your finances. Here’s where Comprehensive Car Insurance comes to the rescue.

Does Comprehensive Car Insurance Cover Engine Failures?

Yes, with the add-on cover called “Engine Protect,” comprehensive car insurance can cover engine failures resulting from specific situations like water ingression and oil leakage due to accidental undercarriage damage. This add-on cover is an optional benefit that policyholders can choose to include in their comprehensive car insurance policy by paying an additional premium.

Common Causes of Engine Failures Covered by Car Insurance

  • Accidents: Comprehensive Car Insurance will typically cover the repairs or replacement if your engine sustains damage due to an accident, whether it’s a collision with another vehicle or hitting a stationary object.
  • Natural Disasters: Comprehensive Car Insurance protects your vehicle from damages caused by natural calamities like floods, earthquakes, storms, or wildfires. If any of these events lead to engine damage, your insurance should cover it.
  • Theft and Vandalism: If your car is stolen or vandalized, and the engine suffers damage, Comprehensive Car Insurance should cover the cost of repair or replacement.

What to Do When You Encounter Engine Troubles?

If you find yourself in the unfortunate situation of engine troubles, follow these steps:

  • Stay Calm and Pull Over: If you experience engine failure while driving, stay calm, and try to steer your vehicle to a safe location away from traffic.
  • Call for Help: Contact your car insurance provider immediately and inform them about the situation. They will guide you on the next steps and whether towing service is covered.
  • Assess the Situation: Refrain from fixing the engine yourself, especially if you are not trained. Wait for professional assistance to arrive.
  • Submit a Claim: Contact your insurance provider and file a claim after the incident. Provide them with all the necessary details and documents to expedite the process.

Remember, prevention is always better than cure, and maintaining your car properly can save you from potential engine troubles and costly repairs.


Comprehensive Car Insurance can be your savior when it comes to covering engine failures caused by accidents, natural disasters, theft, or vandalism. However, regular maintenance and timely attention to warning signs are essential to keep your engine in top-notch condition.

For more information about Comprehensive Car Insurance or to get a quote, visit the Kotak General Insurance website and explore their brochure. Drive safe and worry-free with the right car insurance coverage!

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