Long gone are the days when buying a car was considered a luxury, as now it is a necessity. With comfort of finance, reasonable discounts, and an expendable income, people are able to afford cars much easily than before. However, the maintenance expenses that accompany cars are a burden upon many, especially when the issue is with a major car component, such as a car engine. Thus, add-on car insurance cover for engines’ protection are available to reduce your financial burden during uncertain mishaps.
Reasons to have an engine protection cover add-on with your vehicle
To avoid expensive repair costs
As the engine is the heart and soul of a car, its maintenance charges can be high upon damage. Without it, your car cannot run, which is why choosing to protect the most significant part of your car is a prudent decision. You can find many add-on car insurance covers for your vehicle, and adding them to the policy will only increase your premium rate. Therefore, a wise decision would be to prioritise your add-ons, and the engine tops the list.
To support against external factors like floods
Engine troubles are more frequent in Indian regions where there are chances of flooding. In addition, a wet engine is hard to fix and can incur heavy costs. That is why an engine protection add-on is a necessary car insurance cover for supporting in such situations. This add-on insurance cover also offers coverage for repairs against other natural and artificial calamities such as fire, accidents, etc. However, there are some limitations to it, such as a consequential damage is not covered.
To avoid risks
Car insurance policies are there to offer coverage at times of need. It may be possible that you may never even have the need for it, and this may make you feel that your car insurance add-on cover was a useless investment. However, you may face issues with the engine and that is when you face high costs. At that very moment, you may regret your decision of not investing in an engine protection cover. Therefore, to avoid risks, you may want to at least invest in the most important part of your vehicle.
Lower add-on premium rate for new cars
Engine covers can be purchased as add-ons with new cars at a much lower premium rate. Adding it at the time of a new vehicle purchase is the ideal time to ensure extra coverage at a lower cost. With increase in the age of your vehicle, the premium for engine protection add-on also increases. So, avoid that extra cost and purchase one when your car is new.
You may never know when there is a need for an add-on car insurance cover. So, do not take risk by neglecting this important investment. Invest smartly by adding this significant cover and protect your car from unfortunate events. Learn more about such add-ons available online for more clarity regarding car insurance investment.