Is Suspension Covered Under Car Insurance?

A car's suspension helps to maximise the friction between the wheels and the road surface. Its primary objective is to provide stability to the vehicle and ensure everyone's comfort. In this article, you will explore how important it is and is suspension covered under your car insurance?

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What is Suspension in a Car?

The suspension system is a set of tyres, springs, shock absorbers, tyre air, and linkages that connects the wheels to the car and permits balanced movement between these two.

It ensures that the wheels remain in contact with the road surface as much as possible. It also acts as a shield to protect the car's tyres and tubes from regular wear or tear. However, the design of rear and front suspension in a car can vary.

In simple terms, it is that part of a car that opposes the unwanted forces that a driver might face while driving the car on small bumps or big potholes.

Things that Can Damage Your Car Suspension

Some careless driving habits can damage car suspension immediately. Here are five things that can ruin your car's suspension-

  1. Don't Slam the Brakes Hardly

    You do not need to bang the brakes hard unless it is too necessary, as it locks your tyres and confronts the ABS in your car when there is no need. Ultimately, it damages the car's suspension over time.

  2. Speed Bumps Are Hazardous

    Another cause for the damaged suspension is speed bumps. If you are trying to fly over on the speed bumps, it might damage the car's suspension at the very moment. Therefore, it is advised to keep it slow.

  3. Exceeding the Set Weight Limit

    Your car's suspension is designed to handle a certain weight limit. Overloading your vehicle will unnecessarily create tension in the car's suspension. Thus, causing damage to it.

  4. Your Suspension Needs Servicing

    Servicing your car on time will extend its life and save a thousand bugs. Your car's suspension needs regular servicing like any other system of your car. If you forget to take your scheduled servicing, you might end up filling an expensive repair or replacement bill.

  5. Limit the Adventure

    Another cause for the damaged suspension of your vehicle is off-road or reckless driving. Generally, your car is designed with a suspension to handle the stress of a specific terrain. If you are driving on the roughest terrain, bumpy surface, or potholes, your car's suspension might get destroyed. Therefore, it is advised to be careful with your speed and follow driving etiquette.

Is Suspension Covered Under Your Car Insurance?

Well, the suspension of a car consists of tyres and tubes. A tyre is that component of a car that bears the highest form of wear and tear as compared to any other part of your car. Considering the Indian road’s condition, it becomes utterly important to opt for car insurance online to avoid the expensive repair or replacement cost of the tyres and tubes.

Under your comprehensive car insurance, if your car's tyres or tubes get damaged in an accident, the insurer is liable to pay 50% of the replacement cost. However, if you want full coverage, you can opt for zero dep cover with your car insurance policy.

Your comprehensive car insurance does not compensate for the minor tyre repair or puncture costs. Moreover, it excludes the damages caused due to regular & wear and tear of the tyres of the insured car.

Also, you can buy a tyre protection add-on cover with your comprehensive car insurance policy. It covers the cost of labour, expenses incurred in replacement or repairing of the damaged tyre, and other accidental damages to the tyre.

Final Thoughts

Depending on the insurer, there are different benefits associated with a comprehensive car insurance plan. By paying an additional premium, you can buy an add-on cover that pays for the repairs and replacement expenses of the tyres.So, it is advised to choose your insurer wisely and check the coverage before making the deal.

Written By: PolicyBazaar - Updated: 29 June 2022
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