Do Standard Bike Insurance Plans Cover Damages To The Engine?

Bikes require to be looked after. To meet legal liability, you must cover the bike under a third-party bike insurance policy and service it. Comprehensive insurance is needed to cover bike damage. If your insurance policy’s coverage isn’t enough, you can add-on coverage like engine protective coverage.

What’s an engine protection add-on?

The bike is nothing without its engine. This is why flood damage or traffic accidents that leak oil can be costly to fix. Repairing an engine is difficult and expensive, thus you need engine repair insurance.

You can pay extra for engine coverage with comprehensive insurance. This add-on may help pay for engine repairs and replacement due to oil, lubricant, coolant, leaks, etc.

You live in a flood-prone city and one day it floods. Water that reaches your bike engine can damage it and demand a complete checkup. If you have the engine protection add-on, your insurer may cover engine repairs, but if not, you’ll have to pay for them.

Engine protection add-on advantages

Engine protective coverage has many advantages:

Financial aid: The engine protection add-on might help you save money on engine repairs or replacement. This add-on might boost your bike insurance policy engine coverage if you’re unhappy with it.

Quick recovery: Financial instability can delay the recovery of your damaged bike’s engine, but this add-on can cover the repair.

Peace of mind: This add-on allows you to avoid engine repair or replacement costs.

What does engine protection add-on coverage cover?

Water Ingression: If the bike engine is damaged by floodwaters, the insurer may repair or replace it.

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Lubricant Leaking: The insurance may cover bike engine damage from lubricant leakage.

Physical Damage: The insurer may cover engine damage from an accident.

Engine Failure: The insurer may cover engine failure during a wet start.

What are the engine protection add-on exclusions?

Routine wear & tear: The insurer may not cover bike engine damage caused by regular wear and tear.

Drunk driving: If the insured rides the two-wheeler while intoxicated, the insurer may not pay engine repairs or replacement.

Drugs: If the insured is detected riding the bike under the influence of drugs, the insurer may not cover the damage.

No licence: If the insurer discovers the insured rode the two-wheeler without a licence.

No insurance: If the insured drives the bike without insurance, the insurer will not cover it. (It is also advisable you know how to renew bike insurance)

Illegal racing: If the insurer discovers that the insured was illegally racing when the accident occurred and damaged the engine.

Late notification: If the insured doesn’t notify the insurance before getting the bike’s engine repaired, the insurer may not cover the damage.

Not informing the insurer: Delaying informing the insurer may void coverage.

Flushing consumables: The insurer may not cover lubricants or oil from flushing the bike’s engine.

How to claim engine protection add-on?

First, inform your insurer about the bike engine damage, whether it was caused by an accident or a natural disaster like a flood.

Take photos/videos: You can photograph the damaged engine or film your bike starting. You can email or WhatsApp this to the insurance as proof.


Documents: To start a claim, you must provide a collection of documents with the claim form, therefore it’s best to have everything ready.

Surveyor’s visit: The insurer will send a surveyor to evaluate your bike’s engine after you report the damage. They will notify the insurance company to start the claim procedure.

Compensation: After the inspection, if the insurer approves the claim, they will start the claim and pay you in a few days. The compensation is hassle free for Bajaj Allianz bike insurance if everything is in order.

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