Warning: Your Car Insurance Might Not Cover These Aftermarket Parts

Nothing makes drivers feel more secure than knowing they can depend on their car insurance when things get a bit messy and out of control. But that doesn't mean they'll stay behind you always. In fact, many will even disappoint you because they won't cover certain parts of your car that got damaged during an accident. If that's the case, then you might as well throw your savings away.

Keep in mind that there are certain parts that many car insurance companies don't cover. Some do, however, so it's important to do your research and ask around first.  Whatever the case, don't be surprised if your car insurance will not pay for the following:

Catalytic Converter

Catalytic what--?! Yes, we know. It's a scary term, to say the least. It's a word you'd expect a part Physicist, part Electrician, part NASA Scientist, and Hans Solo would use, so we understand why it warrants such trepidation.

Still, that's not the reason why many insurance providers don't cover them. The reason? They are difficult to install. What's more, the replacement parts aren't as durable as the original ones as well.

Alternators

Alternators are something to be taken seriously, since your car inevitably won't run if they get damaged in the first place. That's why car insurance providers avoid covering it--many are unreliable, especially when they're not original replacements.

Radiator

Radiators come in many shapes and sizes. Make sure that the one you have is what your insurance provider covers in the first place.

Here's why: some insurers would only cover aluminum, crossflow radiators; others only prefer the copper downflow radiators. Meanwhile, there are those that accept a mixture of these features. Really--it all depends on your car insurance provider. So don't forget to ask them first.

Fuel Pump

This is not a strict rule, though. There are quite a number of providers that cover them, although you do need to ask around first.

Fuel pumps, like alternators, are extremely important to a vehicle. Try damaging it and see if your car will move--let alone budge an inch from where it's parked. The reason why it's not always covered is because it's not easy to replace. And really, replacing it with something of lesser quality is like driving without a steering wheel. Not fun, really.

So there you have it: aftermarket parts that may not be covered by your vehicle insurance provider. Remember that the best way to prevent this from happening is to first ask your insurer if they cover all these aftermarket parts in their terms and conditions. Don't just sign the contract--read and ask questions. Not only will this save you a lot of money in repairs, but it will also save you a lot of headaches in the long run.

Read All

Featured Articles

Recommended Articles For You

Read All

Featured Cars

  • Upcoming

Car Articles From Zigwheels

  • News
  • Article Feature
  • Advisory Stories
  • Road Test
  • Latest ‘Kia Movement’ leg set this weekend
    Latest ‘Kia Movement’ leg set this weekend
    Ruben Manahan IV . Jul 10, 2025
  • Bentley unveils all-electric EXP 15 concept car
    Bentley unveils all-electric EXP 15 concept car
    Cesar Miguel . Jul 10, 2025
  • TMP Tech produces latest batch of technicians
    TMP Tech produces latest batch of technicians
    Ruben Manahan IV . Jul 10, 2025
  • Isuzu PH aids Alaminos LGU in newest mangrove rehabilitation thrust
    Isuzu PH aids Alaminos LGU in newest mangrove rehabilitation thrust
    Ruben Manahan IV . Jul 10, 2025
  • Zeekr 7X now available in PH
    Zeekr 7X now available in PH
    Ruben Manahan IV . Jul 10, 2025
  • Exploring the Jetour T2’s interior
    Exploring the Jetour T2’s interior
    Cesar Miguel . Jul 10, 2025
  • Suzuki XL7 Hybrid vs Toyota RAV4 vs BYD Tang: tough-looking NEV options
    Suzuki XL7 Hybrid vs Toyota RAV4 vs BYD Tang: tough-looking NEV options
    Paulo Papa . Jul 09, 2025
  • Explaining the different types of hybrid powertrains
    Explaining the different types of hybrid powertrains
    Cesar Miguel . Jul 07, 2025
  • Check out these basic overlanding items for when you want to enjoy the outdoors
    Check out these basic overlanding items for when you want to enjoy the outdoors
    Paulo Papa . Jul 04, 2025
  • Suzuki Dzire Hybrid vs Toyota Corolla Altis GR-S HEV CVT vs BYD Seal: new-energy sedan showdown
    Suzuki Dzire Hybrid vs Toyota Corolla Altis GR-S HEV CVT vs BYD Seal: new-energy sedan showdown
    Paulo Papa . Jul 04, 2025
  • Do you still need to wash your car after it rains?
    Do you still need to wash your car after it rains?
    Cesar Miguel . Jun 12, 2025
  • What should you visit first at MIAS 2025?
    What should you visit first at MIAS 2025?
    Cesar Miguel . Apr 11, 2025
  • Do you really need 4x4 for overlanding?
    Do you really need 4x4 for overlanding?
    Cesar Miguel . Mar 26, 2025
  • Number coding 2025: what you need to know
    Number coding 2025: what you need to know
    Paulo Papa . Mar 09, 2025
  • EVs still require lubrication, JAMA execs say
    EVs still require lubrication, JAMA execs say
    Paulo Papa . Mar 09, 2025
  • Honda BR-V S CVT: all about that ‘base’
    Honda BR-V S CVT: all about that ‘base’
    Paulo Papa . Jul 09, 2025
  • Dongfeng Rich 7 4X4 Upper: ideal entry-level truck
    Dongfeng Rich 7 4X4 Upper: ideal entry-level truck
    Paulo Papa . Jul 07, 2025
  • First drive: MG ZS Hybrid+
    First drive: MG ZS Hybrid+
    Cesar Miguel . Jun 30, 2025
  • BYD eMAX 7 Superior Captain: MPV for modern families
    BYD eMAX 7 Superior Captain: MPV for modern families
    Paulo Papa . Jun 18, 2025
  • Suzuki Ertiga Hybrid: modest mover
    Suzuki Ertiga Hybrid: modest mover
    Paulo Papa . Jun 05, 2025