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Is Engine Failure Covered Under Car Insurance Policy

Written by Saad Ahmad
Updated On Oct 18, 20232 min read

Is Engine Failure Covered Under Car Insurance Policy

Your engine is one of the most expensive sections of your automobile to fix. It may break down sooner than planned if it is not properly maintained and examined on a regular basis. Finding the correct vehicle insurance coverage is not always simple, and if you don't know what you're searching for, it might take a long time.

If you're concerned about your car's mechanical or electrical components breaking, extended warranty insurance is a good choice since it covers your vehicle's mechanical and electrical components after your manufacturer or dealer warranty has expired.

Is Engine Failure Covered Under Car Insurance Policy

What Are the Different Car Insurance Types?

It's critical to evaluate how valuable your automobile is to you before shopping for an insurance coverage.

Third-party property damage insurance is usually the most affordable option. This protects you against damage to other people's property caused by your vehicle. This is a popular recommendation for low-value secondhand vehicles.

Third-party fire and theft insurance will cover damage to your vehicle as a consequence of a fire or theft, as well as damage to other people's property.

Comprehensive auto insurance, on the other hand, can cover all of the expenses of repairing or replacing your vehicle if it has been stolen, vandalized, or flooded. It also covers damage to other people's cars and property caused by a collision with your vehicle.

When Does Car Insurance Cover Engine Damage?

Car insurance often covers engine damage in the following situations:

  • A collision that causes a part of the engine to break.
  • The engine stops operating due to water damage.
  • The engine has caught fire.
  • The engine was vandalized.
  • It's vital to remember that engine damage will only be covered if you have the appropriate coverage.

When Is Car Insurance Not Covered for Engine Damage?

You will not be covered by your insurance coverage if you abuse your car and cause engine damage that might have been avoided. This includes the following:

  • The engine broke down due to a lack of oil.
  • The engine was damaged by the time-belt snapping.
  • The engine's mechanical elements are deteriorating.
  • The engine's wear and damage

If your engine is not covered by your insurance coverage, you may want to explore purchasing a used engine, which is normally a fraction of the price of a new engine. When buying one, be cautious and always seek confirmation of quality from your mechanic. Even if there is some danger associated, it may be a better option.


The easiest way to keep your engine in good shape is to check the oil frequently, get your car serviced every 10,000 kilometers, and make sure your timing belt isn't worn out. By taking care of your engine, you can avoid having to pay a lot of money for a new one.

If you're concerned about the hefty expense of car repairs and replacement components, consider purchasing extended warranty insurance, which provides significant discounts on repairs and replacement parts.

For peace of mind, make sure you are well-informed about various auto insurance packages.

Also read: Is It True That Scrapping Your Car Has An Impact On Your Insurance Policy?

Which Is Better: Online Or Offline Car Insurance?


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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Written by Saad Ahmad
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 Saad is a marketing guru and has some exciting knowledge to share about the motor and related industry. Saad in his last work with a major Indian yet global conglomerate has made direct contributions to the Insurance sector. In his free time, Saad likes to play badminton and listen to melancholic music

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