Does car insurance cover engine damage?
Car insurance covers engine damage only if you have comprehensive car insurance. Consider you have purchased car insurance cover and the car meets with a road accident. The damages caused to the car will be covered under the car insurance policy. Car insurance claim can be made only in case of engine damage caused due to an accident.
On the other hand, in case the car’s engine is damaged in case of negligence or regular wear and tear then a car insurance policy will not provide coverage for the same. Coverage will not be provided in case the car's engine is damaged due to mechanical failure.
Car insurance will not provide coverage for expenses that are not directly arising out of accidental damages, theft or fire. However, if you want to cover loss or damage caused to a car's engine, then you can opt for engine protection add-on.
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