Car insurance cover for car misfuelling
It’s common to put the wrong fuel in your car, and it can cause plenty of issues, but some car insurance policies may cover it, read more about misfuelling your car in Thailand.
What is Misfuelling Insurance?
When you put the wrong kind of fuel in your tank, it’s known as misfuelling. For instance, if you have a diesel car but fill it with gasoline. It’s a minor blunder, but it can have serious consequences. It can be very damaging to your car’s engine if you turn the car before you realise it.
Misfuelling is a common problem. Fortunately, some car insurance policies in Thailand will help you pay for the repairs of this costly mistake.
Key Points
- Misfuelling is included as a standard coverage in numerous car insurance policies.
- Misfuelling coverage typically only covers the draining and cleaning of your tank at the time of the misfuelling.
- There are several ways on how you can prevent misfuelling, such as fuel cap labelling, read pump label and identifying hose colour.
Does Car Insurance Cover Misfuelling?
Yes, some car insurance policies offer misfuelling cover, it is included as a standard in numerous car insurance policies. However, many insurers offer it as an extra, meaning you will be charged a small fee monthly.
With misfuelling cover, you will be, reimbursed for some or all of the contaminated fuel’s cost and given a payout for draining and cleaning the fuel tanks.
What Are the Exclusions of Misfuelling Coverage?
With misfuelling cover, you are typically only covered for the draining and clearing of our tank at the time of misfuelling. It may also cover you if you notify them at the time of misfuelling and the clearing is done in a garage.
If you have driven away and caused further engine problems, you might need to check whether you are covered under the accidental damage section of your car insurance policy. In this case, your insurer may be able to repair the damage that results from misfuelling, but they wouldn’t pay you for the draining and clearing of your tank.
However, to find out precisely what is and isn’t covered, go over your policy documents thoroughly, including the accidental damage section.
With misfuelling cover, you are typically only covered for the draining and clearing of our tank at the time of misfuelling.
What to Do If You Misfuel Your Car?
These are the 5 rules that you should never forget when you accidentally put a wrong fule in your car.
1. Don’t start the car – Don’t start the car if you realise your mistake at the gas station. This starts the chain of events that will cause the most damage to your engine.
2. Notify the garage attendant – Explain what happened. It’s possible they’ve encountered this issue before.
3. Ask or help – Obtain assistance in pushing your vehicle to a safe location where it can be drained. On the petrol forecourt, some breakdown companies will drain your fuel tank.
4. Inform your car insurance provider – They may offer coverage that covers the cost of draining your fuel tank or repairing your engine. Call them first, as they may have a procedure that you must follow in order to have the repairs completed.
5. Stop the car – If you leave the gas station before realising your error, don’t keep driving until the car breaks down. Pullover to a safe location and contact your insurance company or breakdown service.
You can either be reimbursed for some or all of the contaminated fuel’s cost.
Things to Keep In Mind If You Put the Wrong Fuel
Putting Petrol In a Diesel Car – Even a small amount of petrol can cause problems. When petrol reacts with diesel in the tank, the metal parts of the pump will rub together, causing damage. If you start your car, the mixture may spread throughout the vehicle, causing damage to other components. Depending on the extent of the damage, your fuel system may need repair or replacement.
Putting petrol in a diesel car is a serious problem, but the damage can be mitigated by turning off the engine and taking the keys out of the ignition.
Putting Diesel In a Petrol Car – Although putting diesel in a petrol car is less dangerous, you should still turn off the engine and get it fixed as soon as possible. When diesel contaminates the spark plugs and fuel system, the engine smokes and shuts down. It’s possible that it won’t start at all.
What Can You Do to Prevent Misfuelling?
Accidents happen, but there are a few things you can do to ensure you don’t fill up your car with the wrong fuel:
Pay attention while putting fuel – When you get to the pump, try to avoid distractions.
Look at the nozzle size – The diesel nozzle is bigger than the neck of a petrol tank, making misfuelling a petrol tank more difficult. A petrol nozzle, on the other hand, fits perfectly in a diesel filler. Before pulling the petrol trigger, double-check the fuel type if the nozzle feels extra loose.
Fuel cap labelling – Inside or near the fuel cap, place a sticker with the name of the fuel.
Identifying hose colour – Typically, petrol nozzles, triggers, and hoses are green, while diesel nozzles, triggers, and hoses are black, but this isn’t always the case. If the colours aren’t clear, it is better to ask the person who manages the gas station.
Read pump label – Always take time to read the pump labels before fuelling.