Each season has its own quirks, and as a car owner, you need to be familiar with them. For instance, monsoons increase the risk of engine damage due to water intrusion, while lower temperatures during winter make car tyres more susceptible to punctures. Engine and tyre damage can be financially challenging to repair as they are typically excluded from standard car insurance. Thus, investing in tyre protect and engine protect add-on car insurance is highly advised to cope with monsoon-to-winter transitions. On this blog, we will explain the need and benefits of engine protect and tyre protect add-ons in car insurance.
Increased risk of engine and tyre damage during monsoon-to-winter transitions
Transition from monsoon to winter increases the risk of engine and tyre damage. The following reasons come into play:
1. Water damage to the engine
Waterlogging due to heavy rainfall is common during the monsoon. It can happen in the middle of the road or where you park your car overnight. If the water enters (ingresses) the engine, it can result in a breakdown. If you try to start the car in a waterlogged area, this problem becomes more severe and can lead to a hydrostatic lock, meaning seizure of the engine.
2. Damage due to oil leakage
As the temperature decreases in winter, the oil thickens, increasing its flow resistance. The higher viscosity may put more stress on gaskets and seals, elevating the probability of leaks. Lubricant leakage poses significant damage to the car’s engine.
3. Accidental damage
There is a higher risk of car accidents when navigating slippery roads and potholes in the monsoon or driving on snow-covered roads in winter. Accidental damage may harm the car’s engine as well as its tubes and tyres.
4. Hardening of the tyre
In winter, cold temperature causes the rubber on tyres to become stiffer. It compromises on flexibility and grip, and makes tyres more prone to damage as you drive over debris and pothole-filled roads. It often results in cuts, damage or puncture of the tyre.
These are some examples of how your car’s engine and tyres become more susceptible to damage during the monsoon-to-winter transitions.
How can engine and tyre protect car insurance add-ons help?
If you want to keep your car’s engine and tyres secured against unforeseen damage, invest in tyre protect and engine protect add-on car insurance covers. Here’s why you should get these car insurance add-ons for seasonal protection:
1. Engine protect add-on
The engine is the heart of the four-wheeler, and any damage to it can cause a major financial blow. While standard car insurance doesn’t cover engine-related problems arising from oil leakage or water intrusion, the engine protect add-on car insurance cover does. It covers damage to the internal child parts of the engine and gearbox due to water ingress, lubricating oil leakage, unintentional use of incorrect fuel and undercarriage damage. As a car owner, Understanding Engine Failure Coverage in Your Car Insurance policy is essential.
2. Tyre protect add-on
The health and well-being of your car’s tyres is very important as they are the only part making contact with the road. Loss or damage to tyres arising out of a cut, bulge, burst, or damage due to accidental external means is covered under the tyre protect add-on benefits, which the standard plan doesn’t include. It reimburses the cost of replacing damaged tyres, ensuring your vehicle stays rolling as new.
Conclusion:
While monsoon and winter heighten the risk of damage to the car’s engine and tyres, car insurance add-ons like engine protect and tyre protect help cover the costly repairs and replacement that are usually excluded under the standard comprehensive policy. If you want exhaustive coverage for your car’s engine and tyres, invest in these car insurance add-ons for seasonal protection. Buy car insurance with practical add-ons online in under a minute with Generali Central.
