Does Car Insurance Cover Engine Problems?

Posted on

Welcome to – All About Insurance! In this comprehensive article, we’ll delve into a common concern among car owners: “Does car insurance cover engine problems?” Car troubles can be stressful, especially when it comes to engine issues, as they often lead to costly repairs. Here, we’ll explore the intricacies of car insurance and how it relates to engine problems.

What is Car Insurance?

Before we dive into engine problems, let’s clarify what car insurance is. Car insurance is a contract between the vehicle owner and an insurance company, providing financial protection against physical damage and bodily injury resulting from accidents, theft, and other mishaps. It helps to cover repair costs, medical bills, and legal expenses, depending on the type of coverage you have.

How Does Car Insurance Work?

Car insurance operates on the principle of spreading risk among a large number of policyholders. When you purchase car insurance, you pay a premium to the insurer. In return, the insurer agrees to bear the financial burden in case of covered losses, as outlined in your policy. However, it’s essential to understand the specifics of your coverage to know what exactly is protected and what isn’t.

What Does Car Insurance Typically Cover?

Car insurance coverage can vary based on the policy and its terms. Most standard car insurance policies include the following types of coverage:

  • Liability Coverage: This covers bodily injury and property damage to others in an accident where you are at fault.
  • Collision Coverage: This covers damage to your own vehicle caused by a collision with another car or object.
  • Comprehensive Coverage: This covers non-collision related damages, such as theft, vandalism, natural disasters, and more.
  • Personal Injury Protection (PIP) or Medical Payments: This covers medical expenses for you and your passengers in case of an accident, regardless of fault.
  • Uninsured/Underinsured Motorist Coverage: This covers damages caused by a driver without insurance or inadequate coverage.

Does Car Insurance Cover Engine Problems?

Now, let’s address the pressing question: Does car insurance cover engine problems? In general, standard car insurance policies do not cover mechanical breakdowns, including engine problems, caused by regular wear and tear, lack of maintenance, or manufacturing defects. Car insurance is primarily designed to handle sudden and accidental incidents rather than issues resulting from natural wear and tear.

For instance, if your engine suffers damage due to an accident, such as a collision or fire, your car insurance may cover the repairs or even provide compensation if the vehicle is deemed a total loss. However, if your engine fails due to a lack of maintenance, overheating, or any other mechanical issue not related to an accident, you will likely have to bear the repair costs yourself.

What Options are Available for Engine Problems Coverage?

While standard car insurance may not cover engine problems, there are alternative options available:

  • Extended Warranty: Some manufacturers and third-party companies offer extended warranties that cover mechanical breakdowns, including engine issues, for a specified period after the original warranty expires.
  • Mechanical Breakdown Insurance (MBI): MBI is a separate insurance policy that specifically covers mechanical breakdowns, providing protection beyond the typical car insurance coverage.

It’s essential to carefully read and understand the terms and conditions of any extended warranty or MBI policy to know precisely what is covered and what may be excluded.

How to Prevent Engine Problems?

Prevention is often the best approach to avoid engine problems and expensive repairs. Here are some tips to keep your car’s engine running smoothly:

  • Regular Maintenance: Follow your vehicle’s maintenance schedule, including oil changes, air filter replacements, and tune-ups.
  • Use Quality Fuel: Opt for high-quality fuel to prevent engine deposits and ensure optimal performance.
  • Cooling System Maintenance: Keep the cooling system in top condition to prevent overheating and potential engine damage.
  • Address Warning Signs: If you notice any unusual sounds, smells, or performance issues, promptly have your car checked by a qualified mechanic.
  • Monitor Fluid Levels: Regularly check engine oil, coolant, and other fluid levels to ensure they are at the recommended levels.

FAQs About Car Insurance Coverage for Engine Problems

1. Can I Purchase Additional Coverage for Engine Problems?

Yes, you may be able to purchase Mechanical Breakdown Insurance (MBI) as an additional policy to your standard car insurance. MBI specifically covers mechanical failures, including engine problems, and can be helpful if you want extra protection beyond the typical coverage.

2. Will My Car Warranty Cover Engine Problems?

It depends on the type of warranty you have. A manufacturer’s original warranty typically covers mechanical issues within a specific period or mileage limit. However, this coverage might not extend to the entire lifespan of your vehicle. Extended warranties may be available for purchase to cover engine problems once the original warranty expires.

3. What Should I Do If My Engine Breaks Down?

If your engine breaks down due to an accident, contact your car insurance provider immediately to report the incident. However, if the breakdown is due to mechanical issues, consult your extended warranty or Mechanical Breakdown Insurance (MBI) provider if you have such coverage. If not, arrange for your vehicle to be towed to a reputable mechanic for diagnosis and repairs.

4. Are There Any Maintenance Requirements for MBI Claims?

Yes, most MBI policies require that you maintain your vehicle according to the manufacturer’s recommended maintenance schedule. Failure to do so might void the coverage for subsequent claims.

5. Can I Transfer My Extended Warranty or MBI to a New Owner If I Sell My Car?

In most cases, extended warranties and MBI policies are transferable. This means that if you sell your car, the new owner can continue to benefit from the remaining coverage, which can add value to your vehicle during the resale process.

6. Are Engine Problems Covered Under Comprehensive Insurance?

No, engine problems caused by wear

and tear, lack of maintenance, or other mechanical failures are not covered under comprehensive insurance. Comprehensive insurance typically covers damages resulting from incidents like theft, vandalism, natural disasters, and animal collisions.


In conclusion, standard car insurance usually does not cover engine problems that arise from regular wear and tear or lack of maintenance. It primarily covers damages resulting from accidents and unexpected incidents. However, you have the option to purchase extended warranties or Mechanical Breakdown Insurance (MBI) for additional protection against engine problems.

Remember that preventative maintenance is key to keeping your car’s engine in top shape. Following your vehicle’s maintenance schedule and promptly addressing any issues can help prevent costly engine problems in the future.

Before purchasing car insurance or any additional coverage, carefully read the policy details and consider your specific needs. For personalized advice, consult with a qualified insurance expert or agent to find the best solution for your car and budget.

If you found this article helpful, don’t forget to share it with your friends and family. For more valuable insights on all things insurance, visit – All About Insurance. Drive safe and stay protected!