3 Charges That Are Not Covered By Standard Car Insurance and How to Tackle Them


The Motor Vehicles Act, 1988, makes it mandatory for every vehicle owner to have a basic motor insurance policy in place. Now, getting car insurance offers many more benefits than simply keeping you compliant with the law. The insurance coverage will provide you with financial assistance if you face a road mishap or damages due to natural or man-made calamities. 

However, it is important to note that every insurance policy comes along with a list of charges that are not covered. It is crucial to note these at the time of policy purchase so that you do not get surprised later on when you need to make a claim. To help you understand what these exclusions entail, this article lists out 3 of the most common charges that are not covered by a standard car insurance policy. Read on till the end to understand how you can best tackle these charges when they arise. 

  • Cost of consumables

The consumables in your car are the parts that need frequent replacing due to natural wear and tear. In essence, they are called consumables as they get consumed over time as you run your vehicle. Consumables commonly include the nuts, bolts, screws, engine oil, and brake oil. When you make a claim under your car insurance policy, you have to pay for these consumables yourself. 

  • Charges for engine repair or replacement

Even if you have a comprehensive car insurance policy, you cannot make a claim for any charges involved in repairing or replacing your engine and its parts. For instance, if you live in an area that frequently gets flooded in the rains, your car engine might face the issue of hydrostatic lock. The kind of repair work that would be needed to fix the water-damaged engine would not be covered by your standard car insurance plan. 

  • Value of depreciation

Every vehicle undergoes certain amount depreciation in parts that are made of wood, metal, and fiberglass. Your car insurance plan takes this depreciation into consideration and deducts it before paying out your claim. This exclusion can weight pretty heavy on the pocket if you drive a luxury vehicle or a vehicle whose spare parts are noted for being expensive. 

So, now the we know what charges are not covered under a standard motor insurance plan, how does one tackle these costs?

The answer is simple – include add-ons in your car insurance policy!

Add-ons supplement your basic car insurance plan by helping you customize your coverage to fit your needs. Three of the most important add-ons that every motorist should consider opting for are:

  • Consumables cover
  • Engine protection cover
  • Zero depreciation cover

These three add-ons will successfully help you get your insurance provider to pay for all the above-mentioned charges that are normally excluded under a basic car insurance plan. Now, you can head out for a drive, knowing your car insurance is truly comprehensive in every way. We hope this article will help you.