Should my car insurance cover mechanical faults...?

Answer 1

No. Insurance covers damage you cause to someone else (liability), damage by trees, fire or theft (comprehensive) or damage caused by you (collision).
Mechanical issues are never covered unless the car is under some kind of warranty.

Answer 2

1

Answer 3

No - it is a condition that you keep your car in a sound condition - so if damage is caused by a mechanical fault of which you are aware then that damage alsow would not be covered.

If you want cover against mechanical faults you can buy an extended warranty from a broker. Premiums depend on age, type of car, annual mileage and total mileage.

Answer 4

Car insurance covers you when you hit things with your car and break them by paying the people that had the loss. Warranties cover mechanical faults up to a certain mileage. Just as your medical insurance won't fix your broken glasses, your car insurance won't pay for your water pump.

Answer 5

if a mechanical fault causes an accident, like say your brakes fail so you rear-end someone, then your insurance company should cover it just like if you reacted too slow and caused the same accident. You will still be considered at-fault since it is your responsibility to maintain your car in safe working condition, but the damage and injuries should be covered the same.

they don't cover general repairs to your car that have nothing to do with an accident

Answer 6

It may cover the consequences of mechanical faults, like towing, but the warrantee on the car covers mechanical faults while your insurance covers unexpected non-manufacturing failures.

Answer 7

you can buy a warranty, from a warranty company, and tailor it to suit your needs.

Insurance covers damage caused by other people, or sometimes your self of course.

Answer 8

NO and NO!
If the mfg. warranty has run out and you do not have extended warranty, you are sol.
Even extended warranties aren't very reliable.

Answer 9

Unlikely, but insufficient information.

Answer 10

in a word no