Importance of Engine Secure Add-on in Private Car Insurance
29 Jan 2026
Engine Secure
Engine Secure Add-on covers repair or replacement expenses for the loss or damage to the internal parts of the engine and gear box, transmission or differential assembly from non-accident causes like ingress of water in the engine or oil leakage.
How this works during a claim
For example – During a flood, water ingresses into the engine of the car and engine stalls, attempt to restart car results in engine seizure (hydrostatic lock).
In such scenarios engine repair/replacement is not covered in a regular insurance policy.
It is covered only if Engine Secure Add-on is availed
Expense Head Comparison
| Expense Head | Without “Engine Secure” Add-On | With “Engine Secure” Add-On |
| Workshop Estimate | ₹3,55,650 | ₹3,55,650 |
| Compulsory Deductible | – | ₹1,000 |
| Payable by Insurer | ₹0 | ₹3,54,650 |
Avail Engine Secure and other add-ons instantly in SmartInsure* / bobWorld
- https://bobworldsmartinsure.bankofbaroda.co.in/login
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