Engine damage and comprehensive insurance: Everything you need to know

Engine damage and comprehensive insurance: 
Everything you need to know

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An engine failure can drive any driver into financial ruin. But if you have a comprehensive insurance, you can relax in this precarious situation. In this blog post, we explain what fully comprehensive insurance covers, how to proceed in the event of an engine failure, and what important aspects you need to consider.

What does comprehensive insurance cover?

Fully comprehensive insurance is a comprehensive form of vehicle insurance that not only covers damage to your own vehicle, but also damage caused to other vehicles. However, in the context of an engine failure, it is important to know that fully comprehensive insurance usually also covers damage caused by collisions or accidents.

The coverage of the comprehensive insurance usually includes:

  • Engine damage: This includes repairs or replacement of your engine after an accident or other incident that has resulted in engine damage.
  • Partial damage insurance: This cover covers damage not caused by collisions, such as theft, vandalism, glass breakage, natural disasters and damage caused by animals.

Do you have to cover additional costs despite comprehensive insurance?

In most cases, you will have to pay your excess before your insurance covers the cost of repairing or replacing the engine. The amount of your excess depends on your policy and may vary. The higher your deductible, the lower your monthly insurance premiums are.

How does engine damage affect your insurance premiums?

It is important to note that reporting engine damage to your insurance company can usually affect your future insurance premiums. Your premiums may increase as you could be considered a higher risk to the insurance company after an engine failure. It is advisable to consider this in your decision.

Possible causes of engine damage

Engine damage can occur for various reasons:

  • Wear: Normal wear can damage parts of the engine.
  • Incorrect maintenance: If your vehicle is not properly maintained, engine damage may occur.
  • Accidents: Collisions and accidents can lead to serious engine damage.
  • Overheating: Overheating of the engine can lead to serious damage.
  • Driving errors: Incorrect driving habits or improper handling of the vehicle can also cause engine damage.

Engine damage is annoying, but with the right insurance and the right approach, you can make your stress much easier.

What should you do in case of engine failure?

Engine damage can be a stressful situation, but if you have fully comprehensive insurance, you can focus on the following steps:

  1. Contact your insurer: Report the damage immediately to your insurer and your insurer will tell you how to proceed.
  2. Documentation: Collect all relevant information, including photos of the damage, repair invoices and expert opinions. The more detailed your documentation, the smoother the process will be.
  3. Repair: Your insurer will usually send an expert to assess the damage and estimate the cost. Make sure you have the repairs done at a repair shop approved by your insurance company to ensure that the costs are covered.
  4. Excess: Remember that you usually have to pay an excess before your insurance covers the cost of repairing or replacing the engine. Check your policy to see what your excess is.
  5. Vehicle value: In some cases, especially with older vehicles, it may happen that your insurance company decides that the vehicle has economic total damage. In this case, you will receive the current market value of your vehicle minus your excess.


Engine damage can be an expensive business, but with fully comprehensive insurance you are financially better protected. Report the damage immediately, document everything carefully and pay attention to your excess. Also consider the impact on your insurance premium and consider whether selling the damaged vehicle is an option to minimize costs. Engine damage is annoying, but with the right insurance and the right approach, you can make your stress much easier. If you do not have comprehensive insurance, there are also options such as CashforCars.de: In such situations you are exactly right with us – we will be happy to help you. This is an easy way to sell your damaged vehicle and get financial support.

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