• June 20, 2024

Does the car insurance policy cover suspensions?

 Does the car insurance policy cover suspensions?

Understanding car insurance completely is very important to get the most out of the insurance plan. One needs to mindfully read about all the inclusions and exclusions of the plan before opting for it. Instead of looking for the cheapest third-party insurance, try to opt for a cost-effective well-coverage plan, which is highly beneficial. You must also make sure to process a timely car insurance renewal to keep your insurance from getting lapsed. However, majority of the car insurance buyers are confused about whether the insurance policy covers suspensions. Here is a comprehensive guide that answers the same. 

What is a suspension in a car?

Before getting into the coverage, let’s understand more about what a suspension is. A set of tyres, air, linkages, springs, shock absorbers, etc. that connects the car to its wheels are called suspension. It helps maintain the balance between the car and the wheel during movement. It also protects the parts of the car. The design and build of the car including the suspensions will wear and tear over time. 

Is the suspension covered under car insurance?

Whether you want a new policy or applying for a car insurance renewal, it becomes crucial to know if the suspension gets included under car insurance:

  • Under the standard comprehension plan, the insurer must pay only 50% of the replacement cost if the car’s tubes and tyres get damaged. 
  • In the case of full coverage, you may opt for the zero-depreciation add-on. Moreover, you may opt for the cheapest third-party insurance available. 
  • However, the standard comprehension plan never covers minor punctures and normal wear and tear. 
  • Moreover, you may opt for add-on coverage for tyre protection under the comprehensive policy. 
  • Also, various insurance companies offer online car insurance renewal and the cheapest third-party insurance coverage. 

Here are some reasons that damage your car’s suspension system. Take a look at it. 

Five things that damage car suspension:

It is careless driving that damages the car’s suspension. 

Here are some basic driving faults you must avoid to reduce damage to your beloved car’s suspension system.

  1. Never slam the brakes too hard:

Never slam the brakes too hard unless unavoidable. However, there are certain inescapable circumstances while on-road driving when you suddenly need to hit the brakes too hard to avoid any unfortunate accidents. But such feats must get restored for emergencies only. 

Never inculcate into the habit of hitting the brakes too hard whenever you need to push it. It locks the tyres, confronting the Anti-lock braking system in the vehicle. Such jerks eventually damage the car suspension system over a short span. 

Moreover, many insurers provide the cheapest third-party car insurance if you want a car insurance renewal. 

  1. Reduce speed on speed bumps:

The speed breakers and bumps get placed on the road to control the speed of the vehicles. All drivers get well acquainted with the speed break present on the road while driving. You will face a damaged car suspension if you cross these bumpers without reducing the existing speed. The excessive jerks experienced for those few seconds ruin the car’s suspension.

Moreover, various insurance companies offer online car insurance renewal and the cheapest third-party insurance coverage. 

  1. Exceeding the decided weight limit:

Every vehicle has a designated weight limit, depending on the usage patterns. Also, not every passenger car possesses the same weight limit. For instance, you cannot compare the carrying capacity of the Beetle with Innova. 

Every car pattern has a specially designed suspension system, handling a certain fixed amount of weight. Exceeding this limit will strain the car’s suspension system, creating excessive tension and damage. Moreover, you can choose online car insurance renewal from different insurers, offering the cheapest third-party insurance

  1. Frequent servicing of the car’s suspension:

It is crucial to service your car on time, ensuring proper care and maintenance. Punctual servicing ensures the vehicle’s longevity, saving a lot of hassles. However, the car’s suspension system also needs care and frequent servicing. Moreover, be prepared to face the expensive consequences if you fail to appear for scheduled servicing. 

Moreover, you may look for the cheapest third-party insurance and opt for car insurance renewal online. 

  1. Keep your adventure mood low while driving:

Reckless driving is one of the crucial reasons for the damaged suspension system. Off-road driving also ruins the car’s suspension system. Each vehicle type has unique handling power of the stress and strain in a particular terrain. You will surely damage the vehicle’s suspension system if you keep driving on bumpy roads, potholes, or hilly regions. 

It is best to follow the conventional driving pattern and move responsibly on roads, managing the speed limits and maintaining etiquette to retain the health of your car. Moreover, various insurance companies offer online car insurance renewal and the cheapest third-party insurance coverage. 

Shabbir Ahmad


Shabbir Ahmed is a professional blogger, writer, SEO expert & founder of Dive in SEO. With over 5 years of experience, he handles clients globally & also educates others with different digital marketing tactics.