Does Fully Comprehensive Car Insurance Cover Mechanical Repair?
Thursday, November 12th, 2009 at
3:46 pm
I am deliberation shopping a automobile though have listened a little worrying stories about engines wanting to re-built as well as alternative costly parts, if my engine went would my word cover a price or would we have to compensate out of my own pocket?
Popularity: 100% [?]
Related posts:
- Shopping for Comprehensive Car Insurance
- KNOW WHAT THE TERMS MEAN WHEN YOU ARE LOOKING AT COMPREHENSIVE CAR INSURANCE
- Breakdown Cover: on Road Repair Assistance Anytime
- Where Can I Get Comprehensive Car Insurance To Cover In Serbia And Montenegro?
- What is comprehensive car insurance
- Where can I buy Auto Repair insurance for my Car, in Oregon?
- Breakdown Cover: Get Repair Assistance in No Time
- Mechanical Breakdown Insurance for 2nd hand car? ?
- Top Tips for Ensuring Your Car is Fully Fit for Winter
- About Declarations Pages in Auto Insurance
Tagged with: Comprehensive • Cover • Fully • Insurance • Mechanical • Repair
Filed under: Car Insurance Cover
Like this post? Subscribe to my RSS feed and get loads more!
.gif "Free Traffic System - Increase Targeted Website Traffic with Free
Unlimited One Way Links")
Generally NO and a big fat no. It is not covered. However, I know of at least 1 company that will offer mechanical breakdown coverage. GEICO offers this exact coverage for new vehicle purchases and it covers mechanical issues. However that’s also what warranties are for.
Normal insurance you get from an automotive insurance company doesn’t cover anything unless there has been an accident, or some act of god. If your car was say caught in a flood, or had hail damage, or was hit by a falling tree or was run over by a stray boulder, or hit by an uninsured motorist(depends on the state for that one.) But wear and tear, or maintenance items are not covered.
You can get a warranty from an independent third party that will cover repairs to your car, but they usually have high deductibles if you actually use the coverage, and are rarely cost-effective. If you are looking at buying new, most cars come with a warranty good for a good while. The shortest nowadays is in the three year range. Most manufacturers offer extended warranties also.
The reality of it is that if you take care of your car it is very rare for a car to fail with something catastrophic like a blown engine before you hit 100k miles. Some brands are good to well past that. I’ve got a 95 subaru with 243k miles on it, and once sold an 88 volvo wagon that I had bought with 131k and sold at 286k. So if you’re worried about longevity, go with a car that has been proven to be long-living.
Most likely this is not something that would be covered by insurance.
Depending on the age of the car, it could be covered under warranty from the manufacturer, however.
Insurance would cover damage that results from “collision”, but not from general wear & tear.
So if some one crashed into you and damaged your engine, insurance would cover it.
If the car is ten years old and has 150,000 miles on it and you need a new transmission, this is something you would have to pay out of pocket
No, insurance doesn’t cover maintenance and mechanical repairs. It covers damage from collisions and storms etc.
Warranties cover mechanical repairs but read the warranty carefully because they cover specified repairs. You can also buy an extended warranty but they are expensive.
If you drive your car carefully and take care of the preventive maintenance the repairs needed will be drastically reduced.
The top of the range product is comprehensive car insurance, an all-encompassing cover that allows for customisation and extension with add-ons and extras that allow you to structure you car insurance policy to suit your personal needs and lifestyle.
What is included in the cover?
Comprehensive car insurance comprises protection against the following risks:
1. Theft, vandalism and hijacking
2. Accident damage
3. Natural disasters such as fire, hail and storm damage
4. Explosions and riot damage
5. Towing and storage costs
6. Car hire – during the time your car is being repaired after an accident or until payout in case of theft
7. Falling objects
8. Third party claims for damage to property, injuries or accidental death
9. Medical costs as specified in your policy
No.
“Full coverage” does not mean you are fully covered. And with car insurance, “comprehensive” is a coverage that means fire, theft, vandalism, broken glass, falling objects.
Insurance doesn’t cover mechanical breakdown or wear and tear. Those items are always out of your pocket.
Best way to keep your engine going, is have regular oil changes, and follow the recommended maintenance schedule.
No. Mechanical failures are not covered by auto insurance. If that’s your worry, you need to buy a service warranty.