Does Car Insurance Cover Engine Failure UK?
Engine failure is a major mechanical problem that can leave you stranded on the side of the road. If your car’s engine fails, you’ll need to have it towed to a mechanic for repairs. The cost of repairing an engine can be significant, so it’s important to know whether or not your car insurance policy will cover the cost.
What is covered by car insurance?
Car insurance policies typically cover the following:
- Collision damage
- Comprehensive damage
- Liability coverage
- Medical payments coverage
- Uninsured motorist coverage
Does car insurance cover engine failure?
In most cases, car insurance does not cover engine failure. Engine failure is considered a mechanical breakdown, and mechanical breakdowns are not typically covered by car insurance policies. However, there are some exceptions to this rule.
When is engine failure covered by car insurance?
Engine failure may be covered by car insurance if it is caused by a covered peril. Covered perils typically include the following:
- Collision
- Theft
- Vandalism
- Fire
- Flood
If your engine fails due to one of these covered perils, your car insurance policy may cover the cost of repairs. However, it’s important to note that there may be some exclusions or limitations to coverage. For example, your policy may not cover engine failure if it is caused by a lack of maintenance.
What should I do if my engine fails?
If your engine fails, you should do the following:
- Pull over to a safe location.
- Turn on your hazard lights.
- Call for roadside assistance.
- Contact your insurance company.
How can I prevent engine failure?
There are a few things you can do to prevent engine failure, including:
- Get regular oil changes.
- Check your coolant levels regularly.
- Inspect your belts and hoses regularly.
- Don’t overheat your engine.
- Have your car serviced regularly by a qualified mechanic.
Conclusion
Engine failure is a serious problem, but it can be prevented by taking the proper precautions. If your engine does fail, it’s important to know what your car insurance policy covers. In most cases, car insurance does not cover engine failure, but there are some exceptions to this rule.
