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Misfueling cover in India: Damaged car or bike engine after using wrong gas? Will motor insurance assist?

Misfueling cover in India: Using wrong gas in a car could cause some critical harm to its engine. However, motor insurance insurance policies don’t present any safety in opposition to such act of negligence. 

Mis-fueling is handled as a contributory negligence, which is usually not coated  by insurers. Motor insurance merchandise at present gives cover just for outlined perils, that are typically attributable to exterior elements. As such there isn’t a respite in opposition to loss as a result of negligence beneath motor insurance at current.  

“Currently, Indian motor insurance products cover de­fined perils, which are predominantly caused due to external factors such as floods, earthquakes, accidents, theft and so on,” Kunal Jha, Vice President, Motor Products and Actuarial at Digit Insurance, informed FE Online. 

“Note that claims arising out of ‘contributory negligence’ are typically not covered by insurers,” he added. 

It is taken into account a case of contributory negligence when a policyholder will get injured or affected, partly as a result of his/her personal negligence and the injured occasion is barred from recovering any damages (money) from one other occasion who was claimed to have triggered the accident. 

“Mis-fuelling is categorised as a ‘contributory negligence’ and does not fall under the scope of the policy wordings of a standard motor insurance product,” stated Jha. 

What ought to clients do?

Experts say that mis-fuelling might result in numerous levels of injury together with disturbed acceleration, seen smoke from the exhaust or even engine failure in some circumstances, demanding full flush by way of of the system. 

“Once you’ve learnt that the wrong type of fuel has been filled in your vehicle, it is important to not push the ignition button on. Do not crank the engine. It is advisable to get the vehicle towed to the nearest workshop to flush out the wrong fuel. Ensure that the fuel tank is completely dry and then refuel the vehicle,” stated Jha. 

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