It is known fact that heavy monsoons cause water logging in a many cities in India however built with lots of planning. There's no respite from these conditions if your travel route has areas plagued with waterlogging but to travel on them. In such travel the engine is prone to water ingress and may fail to work either immediately or over a period of time. For that very reason most Insurance co offer engine protector as an add on package along with the Normal Insurance cover. The Insurance co offering the various add on packages are as below. Bajaj Allianz offers Engine Protector Barati Axa Offers Hydrostatic Lock Cover HDFC Ergo offers Engine and Gearbox protector Future Generali offers Engine Protector Tata AIG offers Engine Secure All of the above talk of the same protection but in different words. Buying the above add on doesnt neccessarily guarantee the complete protection when driving through waterlogged areas. Most of the Insurance co in their exclusion clauses have mentioned that an alternate route to the waterlogged areas should always be preferred. However Insurance co have a right to refuse the claim filed under engine seizure if the vehicle owner has driven the car through the waterlogged area knowingly. This amounts to carelessness on the part of the vehicle owner as per Insurance co and is liable for refusal of the claim. Check the link below. http://articles.economictimes.indiat...consumer-forum Mods: Searched the forum but couldnt find the related topic thread. If such a topic exists in any thread, kindly merge.