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If you have a manual, you might be wondering if a clutch is covered by insurance. Unfortunately, a clutch can be quite expensive to replace and isn’t always covered by insurance. The way it is determined if a clutch is covered through insurance or not is how the clutch fails. There are all sorts of different ways that a clutch can fail. If you want to make sure that you are covered for it in as many ways as possible, it is important to know what to look for in an insurance policy.

Transmission insurance coverage


If you are thinking about trying to find insurance for your clutch, it is important to remember some things. Any damage done to the clutch is usually because of wear and tear. Unfortunately, insurance companies do not cover problems that arise due to wear and tear. The cost of doing this would be way too expensive for an insurance company to be able to make a profit. Because of this, you may not be interested in getting comprehensive coverage just to cover your clutch. Comprehensive coverage will simply cover you for damages that are not done to your vehicle when you’re driving. Collision damage will cover you when you are driving, but not for when you’re clutch randomly blows on you. For an insurance company to replace your clutch, you will have to get into an accident when driving or have an accident take place with your vehicle.

Does full coverage cover transmission?

The short answer to this question is, no. However, it does depend on how your transmission becomes damaged in the first place. If you get into an accident and receive transmission damage, you’ll likely get some compensation from your insurance company. However, you’re likely asking this question to see if the transmission can be covered from wear and tear damage. It does not hurt to ask your insurance company, however, it is highly unlikely. It simply is not worth it for an insurance company to pay for wear and tear on your vehicle. Insurance companies are trying to make a profit and wear and tear is definitely expensive. Always remember that you only get compensation for coverage that you signed up and paid for. The more you play, the more likely your insurance company will help you out if something happens to your vehicle.

Can you claim car insurance for engine failure?

Again, much like a transmission, an engine failure will only be covered if it failed because of something else other than wear and tear. If you get into an accident and your engine fails on you, you’re likely to receive coverage from your insurance provider. However, if your engine randomly fails on you, you are most likely not going to get anything. Insurance companies leave maintenance up to their clients. If you do not properly maintain your car and something happens to go on it, it is not the insurance company’s fault. You are expected to make sure that you maintain your car properly at all times in order to make sure that an insurance company will have your back in the event an accident occurred with your vehicle.

Does full coverage insurance cover engine damage?


No, full coverage insurance does not cover engine damage. Full coverage insurance covers damage that occurs to your vehicle when you’re not driving. If you have not been improperly maintaining your vehicle and your engine happens to become damaged when you are driving, you have to fix that yourself. However, full coverage will cover you if something else besides regular maintenance causes damage to your engine. If there is something like a natural disaster, vandalism, or theft, resulting in damage or engine, you will be eligible to receive money from your insurance company.

Is there insurance for car repairs?

car repairs

A regular vehicle insurance policy will not cover you for car repairs that involve maintenance. Even if you have collision and comprehensive coverage, you will not be able to get repairs done on parts that fail over time. The only way to make sure that you have coverage for repairs and your vehicle is to get a warranty. Unfortunately, vehicle warranties eventually do run out. This means that if you have had a vehicle for a long time, you likely are not going to be covered for repairs. Luckily, as long as you stay on top of regular vehicle maintenance, you probably are not going to have to pay a fortune for repairs.

How do I know if I have a good warranty?

Warranties for vehicles tend to have quite a lot written in the fine print. This is where you will find things like hidden fees and working penalties. You will also usually find the amount the company is willing to pay shops on a per-hour basis. It is extremely important to make sure that your warranty is capable of being able to pay repair shop prices in your area. After totaling your vehicle, you may think you are completely covered under warranty. This is not always the case. There may be something like a limit on the number of hours that the warranty company will pay for. If you’re buying a relatively expensive vehicle, you may even want to look over a warranty with a lawyer. A lawyer can show you the ins and outs of the policy and save you a lot of hassle.

To Conclude

Your clutch may not be covered by insurance in all cases, however, it is in some. If you have a damaged clutch, the best way to find out if you are covered is to talk to your insurance provider. Before this happens to you, you may want to make sure that you are covered as much as possible. It is a good idea to get in touch with your insurance company on a regular basis. Ask them any questions that you have and see if there are new rates or policies available. If you are not sure if you can afford to add coverage to your policy, you can simply request a quote from your insurance company. Remember, you don’t get what you don’t ask for when it comes to insurance and it can back to bite you later on.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.