Does car insurance cover engine failure?

So, let’s dig into the details and answer the all-important question: Does car insurance cover engine failure?

The Short Answer: No, Not Really

Now, before you throw your hands up in frustration, let’s take a moment to break it down. Car insurance is designed to cover damage caused by external events—things like accidents, theft, fire, or natural disasters. If your engine suddenly fails, that’s typically considered a mechanical issue or wear and tear, and that’s usually not covered by standard car insurance.

But wait, don’t panic just yet! There are a few scenarios where your engine might be covered, so let’s walk through when and how car insurance might come into play.

When Will Car Insurance NOT Cover Engine Failure?

1. Wear and Tear
   Let’s face it, cars aren’t built to last forever. Over time, parts of the engine naturally wear out, and that’s something your regular insurance won’t cover. Things like oil leaks, rust, or the deterioration of engine components due to age simply aren’t covered.
2. Mechanical Failure
   If the engine fails because of a fault that you could have prevented—like failing to maintain the car properly—your insurance won’t step in. For example, if you skip oil changes or neglect basic maintenance, and the engine goes kaput as a result, you’re on your own.
3. Lack of Coverage for Engine-Related Failures
   Standard car insurance policies are generally focused on protecting you from external damages (crashes, fires, theft, etc.), not from internal breakdowns. Unless something external causes the engine failure (like a crash or fire), it won’t be covered.

When Might Car Insurance Cover Engine Failure?

You might be wondering, “Okay, so no coverage for wear and tear or mechanical issues—what will be covered?” Well, there are some exceptions where your car insurance could still be useful:

1. Accidents That Damage the Engine
   If you’re involved in a car crash and the engine is damaged as part of the accident, your comprehensive or third-party fire and theft insurance may help cover the cost of repairs or replacement. For example, if your car is in a crash and the impact causes damage to the engine or its components (like the radiator or alternator), that would likely be covered under collision insurance.
2. Fire Damage to the Engine
   If your car’s engine catches fire due to an accident or some sort of electrical malfunction (and not because of old age or wear), comprehensive car insurance may cover the damage. It’s crucial that the fire is not caused by something that’s been left unchecked, like faulty wiring that hasn’t been maintained.
3. Theft of Engine Parts
   If parts of your engine are stolen, theft coverage under a comprehensive car insurance policy may help you replace them. This is usually more common with high-performance vehicles, where parts like turbochargers or high-end exhaust systems could be targeted.
4. Add-ons or Extended Warranty
   Some car insurers offer optional add-ons like mechanical breakdown cover or engine cover. These are more likely to help with engine failures, depending on the specifics of the policy. If you’ve added these to your policy, they could help cover the cost of repairs or replacements for engine problems, as long as they’re not caused by neglect or wear and tear.

Can You Add Engine Failure Coverage?

If you’re feeling anxious about the potential for engine failure, you might want to look into additional coverage options that can help you avoid huge repair costs.

Here’s what you should consider:

1. Mechanical Breakdown Insurance
   Some insurance companies offer this as an additional cover or add-on to your policy. It typically covers the cost of repairs to the engine and other major components in case of mechanical failure. This is a great option if you’re worried about the high cost of repairs that might not be covered by your regular policy.
2. Extended Warranty or Breakdown Cover
   Extended warranties and breakdown cover plans are another option. These are offered separately from your insurance and can help cover mechanical failures, including engine issues. Some breakdown cover policies include roadside assistance, which can help you if your engine gives out while you’re on the road. Pro Tip: Breakdown cover can be a lifesaver for engine failures, as it often includes towing services to get your car to a garage and cover emergency repairs.
3. Car Manufacturer Warranties
   If your car is still under warranty, any engine failure caused by a defect might be covered by the manufacturer’s warranty. Always check your warranty terms to see what’s included and how long you’re covered for.

How Much Does Mechanical Breakdown Insurance Cost?

The cost of mechanical breakdown insurance can vary based on the level of cover you choose and your car’s make and model. On average, you can expect to pay anywhere from £50 to £150 annually for this type of coverage. While it’s an additional expense, it can be well worth it if you’re driving an older vehicle or a car with a history of engine issues.

Here’s a rough breakdown of what you might pay for this additional cover:

Final Thoughts: Do You Need to Worry About Engine Failure?

While standard car insurance won’t typically cover engine failure due to wear and tear or mechanical issues, there are plenty of ways to protect yourself from expensive repairs. Whether it’s adding mechanical breakdown insurance, opting for breakdown cover, or simply ensuring you’re maintaining your vehicle properly, there are options out there.

If you’re driving an older car or one that’s known for mechanical issues, adding this extra protection to your policy might just save you a lot of hassle (and money) down the line. But if you’re driving a newer vehicle and have no concerns about engine health, your standard insurance should be enough to cover the basics—like accidents and theft.

And remember, prevention is key! Regular maintenance and checks on your car will go a long way in keeping your engine running smoothly and preventing sudden failures.

Frequently Asked Questions (FAQs) about Engine Failure and Car Insurance

1. Will my car insurance cover engine failure?

Generally, no. Car insurance won’t cover engine failure caused by wear and tear or mechanical issues. However, it may cover engine damage if it’s caused by an accident or fire, depending on your policy.

2. Can I get insurance for engine failure?

Yes, you can get additional coverage like mechanical breakdown insurance or extended warranties to cover engine failures and other mechanical issues.

3. What does mechanical breakdown insurance cover?

This type of insurance covers the cost of repairs if your engine or other major components break down due to mechanical failure. It doesn’t cover problems caused by wear and tear or neglect.

4. Is breakdown cover worth it?

Yes, especially if you have an older car or one with a higher risk of mechanical failure. Breakdown cover offers peace of mind, including emergency repairs and towing.

5. How much does mechanical breakdown insurance cost?

It can cost anywhere from £50 to £150 annually, depending on the level of cover and the age of your car.