Hero Motocorp — Deficiency in product

Address:

Taran taran

Destini 125 was purchased december 2019 and was registered on[protected].
First service was done on[protected] with reading of 735 km.
Second service was done on 04-06-20 at 2567 km.
Immediately after this service engine oil started leaking and vehicle was taken to service station and we were told that their is crack in engine chamber so you claim from insurance and will we get it replaced.
Since scooty is under warranty why do we claim under insurance.
Pls specify why engine is not being replaced and why we are made to file an insurance claim.