Updated on 10-04-2025
Ever wondered if your car insurance would come to the rescue when you need a new battery? With so many terms and conditions, the world of car insurance is tricky to navigate. However, do not worry, we're here to answer your question: “Is a car battery covered under insurance?”.
Is a Car Battery Covered Under Insurance?
Electric car batteries are large energy sources that undergo charge and discharge cycles. Lifespan and replacement costs are two concerns regarding a car battery. But, does insurance cover a car battery? Let us check:
- Typically, electric car batteries come with warranties, lasting up to eight years or a specified mileage. Beyond this period, owners may face the need for battery replacement due to wear and tear.
- Car insurance, as a rule, doesn't include vehicle battery coverage. Comprehensive insurance won't cover losses related to depreciation and wear and tear of the vehicle.
- However, insurance companies offer electric car battery coverage as an add-on feature or rider. This additional coverage extends the insurance policy, addressing the inevitable need for battery replacement.
Situations Where Car Insurance Will Cover a Battery Replacement
While routine battery wear and tear is not covered, certain scenarios may be covered:
- Accidents: If your vehicle is involved in a collision that damages the battery, your collision coverage may cover the replacement cost.
- Theft or Vandalism: Comprehensive coverage may cover battery replacement if your battery is stolen or damaged due to vandalism.
- Natural Disasters: Damage from events like floods, hurricanes, or earthquakes may be covered under comprehensive insurance, including battery replacement if affected.
It is important to note that coverage is subject to the terms of your four-wheeler insurance and may require payment of a deductible. Additionally, the cost of the battery replacement must exceed the deductible amount for the insurance to contribute to the expense.
What Are Some Tips for Car Battery Maintenance?
Proper maintenance can extend the life of your car battery and reduce the chances of unexpected failures. Here are some tips:
- Regular Inspection: Periodically check the battery for signs of corrosion, leaks, or damage. Clean the terminals to prevent corrosion buildup.
- Secure Mounting: Ensure the battery is firmly secured to minimise vibrations, which can cause internal damage.
- Limit Short Trips: Frequent short trips can prevent the battery from fully charging. Occasionally, taking longer drives can help maintain its charge.
- Turn Off Electrical Components: Before turning off your vehicle, ensure that all lights and electrical accessories are switched off to prevent draining the battery.
- Regular Charging: If you don't use your vehicle often, consider using a trickle charger to maintain the battery's charge.
- Avoid Extreme Temperatures: Whenever possible, park your vehicle in a garage or shaded area to protect the battery from extreme temperatures, which can affect its performance and lifespan.
Conclusion
So, if you’ve ever pondered the question, “Is a car battery covered in insurance?”, we hope this helps. In a four-wheeler insurance policy, a new battery may not be covered by the standard policy. However, acknowledging the wear and tear reality of electric car batteries, insurance companies provide an option to enhance coverage with an add-on for battery replacement.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.