What does the Additional Engine Water Damage Exclusion Clause mean?
2 Answers
Additional Engine Water Damage Exclusion Clause is an add-on insurance introduced after the auto insurance reform. Below are the details about the Engine Water Damage Exclusion Clause: Function: If you purchase the Additional Engine Water Damage Exclusion Clause under the Motor Vehicle Loss Insurance, it can reduce your premium. However, if the vehicle's engine is damaged due to water ingress from wading, it will not be covered under the insurance policy, and the insurance company will not provide compensation. Purchase Advice: If you frequently drive in desert areas or regions with minimal rainfall, you may consider purchasing this clause. However, it is not recommended for other areas.
When I renewed my insurance last time, I specifically asked about this clause. It means that when you purchase vehicle damage insurance, there is an additional option. If you choose this additional clause, the insurance company will not compensate for damage caused by engine water ingress. For example, if you drive through waterlogged roads in summer and the engine gets flooded, leading to cylinder seizure or crankshaft deformation, the repair costs could be 20,000 to 30,000 yuan, and this amount would have to be paid by the car owner. However, other water-related damages such as soaked interiors or short circuits in the electrical system would still be covered by the insurance. The premium would be a few hundred yuan cheaper, but I don't think it's worth it. After all, engine flooding during heavy rain is quite common, especially for friends in southern cities—it's better not to save on this small amount of money.
