E20 petrol: can your car insurance cover engine damage?
With the government rolling out e20 petrol across india, many vehicle owners are wondering: “if my engine gets damaged due to e20 fuel, will my insurance cover it?” Let’s break down the rules and what you need to know.🔍 1. What is e20 petrol?E20 petrol is petrol blended with 20% ethanolIt is eco-friendly and reduces carbon emissionsDesigned for modern vehicles, but older engines may data-face compatibility issuesWhile it helps the environment, vehicle owners have concerns about engine performance and insurance coverage.⚠️ 2. Insurance coverage rulesComprehensive car insurance covers accidental damage but usually excludes fuel-related damages if not caused by negligenceEngine damage caused specifically by using an incompatible fuel may not be coveredInsurers may require proof that standard petrol or recommended fuel was used📝 3. Steps to ensure coverageCheck your policy terms for fuel-related exclusionsUse manufacturer-recommended fuels to avoid disputesMaintain fuel receipts in case the insurer asks for evidenceConsult your insurance provider before switching to e20 petrolBeing proactive helps avoid rejection of claims in case of engine issues.⚡ 4. Who might be at risk?Owners of older vehicles not compatible with ethanol blendsCars with high mileage or worn-out enginesVehicles not serviced regularly, as ethanol may accelerate wear in weak engine partsModern vehicles manufactured after 2019 are generally designed to handle e20 petrol, reducing the risk of damage.💡 5. Key takeawaysComprehensive insurance may not automatically cover engine damage due to e20 petrolAlways follow manufacturer guidelines on fuel typesKeep documentation and receipts for proof of fuel usageCheck with your insurance company for any specific e20 petrol clausesSwitching to e20 petrol is part of india’s eco-friendly initiatives, but vehicle owners must be aware of insurance rules and engine compatibility. Proper precautions can help avoid denied claims and unexpected repair costs.Disclaimer:The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.