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What is EP in Car Insurance?

Taking up an insurance policy for your vehicle is extremely important, as it is an expensive asset. With numerous insurance policy options available in the market today, choosing and buying the one that is best for you can be a tricky job. One might plan to choose a policy that has the lowest premium rates, but this often leads to important aspects being missed out on. One of them is the engine of the vehicle.

The engine of a car is rightfully called its ‘heart’ and therefore it should be taken utmost care of.
A comprehensive car insurance policy only covers repairs to your car caused by accidents. The engine of a car needs special attention and care for your vehicle to last long. Hence, it is always advised to look for add-ons for your engine. And the best add-on to avail is Engine Protection [EP] in car insurance.

Let us now answer the fundamental question of “What is EP in car insurance?”

What is an engine protection (EP) cover?

The EP in car insurance is basically an added coverage that is taken up with the comprehensive car insurance policy. This particular add-on offers coverage in the case of losses or damage to the vehicle’s engine of the insured individual. The engine protection cover provides compensation for the repair or replacement of the car’s engine and parts.
Now that we have covered the basics of “What is EP in car insurance”, let us look at the benefits and exclusions of it.

Benefits of EP add-ons:

  • Any damage to the engine needing repair or replacement will be reimbursed by the insurance company up to the limit specified in the policy. The benefits of this insurance add-on are:
  • It is beneficial for individuals residing in places that are prone to flooding; during monsoons, natural calamities, etc.
  • It covers any engine damage due to water entering the engine.
  • It covers engine damage caused due to leakage of lubricating oil.
  • Physical damages to essential elements of the engine such as connecting rods, gearbox, etc. are also included in EP plans.
  • Owners of new or expensive cars might have high costs of engine repair and replacement. Hence, an EP plan is beneficial.

Exclusions of EP add-ons:

The policy comes with exclusions and conditions where the add-on is not valid. The exclusions are as follows:

  • Age of the car: This add-on is only applicable for cars that are below 5 years old.
  • Force-starting the car: When submerged in water, the engine shuts down to protect itself and prevents water from getting in. Do not try to start the engine by force. This will not just damage your engine but also may lead to the rejection of your claim.
  • Limited validity for claim: Depending on the insurance company, there are only one or two claims that can be made within the policy period. In case the insurance holder wishes to make another claim, a new add-on has to be purchased.


It is essential for everyone to do their research before investing in any car policy. It will help you to acquire all the necessary details about a car insurance policy before choosing the right policy with the right add-ons.
Now that you have a brief idea about “What is EP in car insurance”, it’s time for you to educate others.

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