Car Insurance Policy Clauses - Mechanical & Electrical Faults

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Policy Exclusions - Mechanical & Electrical Faults

The next exclusion is for mechanical or electrical faults. These faults are a matter of maintenance, or lack of it, and are not claim-able. It is not the intention of a motor policy to protect you from the cost of looking after your car. You can buy 'extended warranties' when you purchase a car. It is a separate area of insurance.

Similarly, cuts, punctures and bursts to your tyres are not covered unless it was the accident that caused the damage to the tyre. So if you have a puncture, which leads to an accident, the damage to your car will be repaired but you will have to buy a new tyre yourself.

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"I pulled into a lay-by with smoke coming from under the bonnet. I realised the car was on fire so took my dog and smothered it with a blanket."

Extracts taken from actual claim forms submitted to a number of UK car insurance companies

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