Toyota Innova Crysta Brake Pad Replacement (Part 3)
Q1: Does standard car insurance cover a blown engine?
A: No, standard or basic car insurance typically does not cover engine failure or a blown engine caused by regular wear and tear, mechanical breakdowns, or lack of maintenance. It only covers engine damage if it is a direct result of an accident, fire, or vandalism.
Q2: What is an Engine Protection Cover in insurance?
A: An Engine Protection Cover is an additional add-on insurance policy. It covers the repair or replacement costs of your car's engine parts (like pistons and crankshafts) if they get damaged due to issues like hydrostatic lock (water logging) or oil leakage, which are not covered in standard insurance.
Q3: Can I claim insurance if my car engine locks up due to water?
A: You can only claim insurance for a water-locked engine (hydrostatic lock) if you have a specific "Engine Protection Add-on." If you try to start the car while it is submerged in water and cause damage, a standard insurance policy will reject the claim.
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