What is Clutch Insurance?

For manual cars, the clutch is an essential part of the mechanics without which the car cannot be operated. If any damage happens to the clutch the repair is very expensive and hence clutch insurance is beneficial. Clutch insurance provides cover for the repair or replacement of the clutch system in case it gets damaged.

Why Consider Clutch Insurance?

Let's understand the reasons why you should consider having clutch insurance for your car:

1. High Repair Cost

The repair cost of the clutch system can vary between Rs. 6,000-20,000 depending on the make, model, and variant of the car. On top of this, around 3,000-4,000 labor charges are applicable as well.

 2. Unexpected Failures

The breakdown of the clutch means the car can not be operated, which causes major inconvenience. Clutch insurance provides peace of mind and you can get the car repaired at the earliest without being troubled by the thought of expenses.

 3. Extended Vehicle Life

If you are someone who likes to keep their things for as much time as possible, getting clutch insurance is a must for you. Since the clutch is an essential component of the car, getting it insured ensures that a key component of the car remains in working condition thus the age of the car is extended.

What does clutch insurance cover?

Clutch insurance policies can vary in terms of coverage, hence you must go through the terms and conditions before purchasing. The most common features of clutch insurance are:

1. Clutch Plate and Disc: These components of the clutch system often need replacement after wearing out. Look out for policies that include the cover for the clutch plate and disc.

2. Release Bearing and Pressure Plate: Most of the policies cover the release bearing and pressure plate repair, as they complement the clutch.

3. Labor Costs: The majority of clutch insurance policies cover the labor charges of replacing or repairing the clutch system.

4. Additional Components: Some comprehensive policies may cover parts like the flywheel, master, and slave cylinders which are components of the clutch system.

Note: Not all policies cover the wear and tear of the clutch system. Some policies cover only mechanical failures while others may include wear and tear as well.

How to Choose the Right Clutch Insurance?

To choose the best clutch insurance policy, consider the following factors:

1. Coverage Scope

Check if the policy provides enough coverage of essential parts in the clutch system. The policy should also cover labor costs as they can be expensive as well. Go through the terms and conditions thoroughly and see if complementing parts of the clutch system are also covered.

2. Deductibles and Limits

Deductibles should be set in a way that in case of small damages, we can get them repaired within the deductibles limit to keep our No-claim Bonus safe. Also, check for higher limits of coverage.

3. Exclusions

Check for the exclusions of the policy, some policies might not provide coverage if modifications have been done to the clutch system or the clutch has been improperly used.

4. Cost

Look out for clutch insurance that is affordable and has a positive cost-benefit analysis. A very expensive policy might not be worth buying if it offers very few and limited coverage.

5. Reputation of Provider

We need to choose a reputable insurance provider with good reviews and a track record of handling claims effectively.

Conclusion

For manual car owners, clutch insurance provides peace of mind as it covers the cost of repair or replacement of the clutch system. Since the clutch is one of the most crucial components of a manual car, insurance gives confidence regarding the long life of the vehicle. Additionally, clutch system repair and replacement is very expensive and the labor charges make it even more costly. Insurance helps ease off the financial burden in case your clutch breaks down.