Question

Can I insure the engine of a vehicle for added protection?

I already have insurance on the used vehicle I just purchased, but I was wondering if I could also insure the engine against wear and tear or malfunctions? Is that possible with my policy?

Sep 16, 2016 Portland, OR

Answer
Neil Richardson

Sep 16, 2016

Auto insurance policies are meant to protect your vehicle if it is damaged as the result of a covered loss. Unfortunately, breakdowns, wear and tear, and warranty issues are not covered on a traditional auto policy. If the vehicle's engine were damaged due to an accident then your collision coverage would pay for a new engine, but auto insurance doesn't cover a specific part.
You could purchase a "stated amount" policy for your vehicle which means you and the insurance company agree to a set value of your car in case of a total loss. However, this would require that the value be determined by an appraisal and usually has a much more expensive premium. These types of policies are better suited for classic or "show" cars since those usually aren't driven many miles per year. I hope this helps!

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