Can you claim on car insurance if engine blows up?

If your car engine blows up, you may be wondering if you can claim on your car insurance. The answer is: it depends.

What does your car insurance policy cover?

The first step is to check your car insurance policy to see what is covered. Most policies will cover damage to your car caused by an accident, but some policies may also cover damage caused by mechanical failure.

If your policy does not cover mechanical failure, you may still be able to claim if the engine blew up due to a manufacturing defect. However, you will need to provide proof of the defect.

What are the exclusions?

Even if your policy covers mechanical failure, there may be some exclusions that apply. For example, most policies will not cover damage caused by:

Wear and tear
Lack of maintenance
Racing or other competitive events
Acts of God (e.g., earthquakes, floods)

How to make a claim

If you believe that your car engine blew up due to a covered event, you should contact your insurance company as soon as possible. You will need to provide them with the following information:

Your policy number
Your car’s make, model, and year
The date and time of the incident
The location of the incident
A description of what happened
Photos of the damage

Your insurance company will then investigate your claim and determine if it is covered. If your claim is approved, you will be reimbursed for the cost of repairs or replacement.